SALSABILA, K.; INDRARINI, R. Cashless Payment: Pengaruh Pendapatan, Diskon dan Cashback Terhadap Perilaku Konsumsi Islam Mahasiswa Lulusan Pesantren di Surabaya. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, [S. l.], v. 7, n. 3, p. 1363–1382, 2026. DOI: 10.47467/elmal.v7i3.10250. Disponível em: https://journal-laaroiba.com/ojs/index.php/elmal/article/view/10250. Acesso em: 30 apr. 2026.