Zima, Zahrul, Fitra Dharma, and Retno Yuni Nur Susilowati. “The Effect of Financial Literacy, Overconfidence, and Herding Behavior on Application-Based Investment Decisions”. Goodwood Akuntansi dan Auditing Reviu 4, no. 1 (November 11, 2025): 121–147. Accessed January 11, 2026. https://penerbitgoodwood.com/index.php/gaar/article/view/5587.