TY JOUR TI Behavioral determinants of digital financial practices among students: An empirical analysis (using an agricultural university as an example) KW digital financial habits KW behavioral attitudes KW students KW Generation Z KW financial literacy KW online surveys KW digitalization JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Frik, O.V. AU Evdohina, O.S. PY 2026 IS 0 PB ITBO University