@article{Frik2026behavioral,
author={Frik, O.V. and Evdohina, O.S.},
title={Behavioral determinants of digital financial practices among students: An empirical analysis (using an agricultural university as an example)},
journal={JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT},
publisher={ITBO University},
year={2026},
pages={88-95},
volume={0},
issue={1, 2026},
}