Hesti, K.H., Dedi Hariyanto and Heni Safitri 2026. The Effect Of Digital Financial Literacy, E-Wallet Adoption, And Locus Of Control On Community Financial Management In Pontianak City With Risk Taking As A Moderating Variable. JURNAL ECONOMINA. 5, 8 (Aug. 2026), 4711–4726. DOI:https://doi.org/10.55681/economina.v5i8.3524.