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Oktafiani, Nurlatifah Umi and Syarifudi, Efi and Jajuli, Sulaeman (2026) The Influence of Digital Payment Usage and Understanding of Islamic Financial Literacy on Consumer Behavior With Self- Control as A Moderating Variable. Al-Kharaj: Journal of Islamic Economics and Business, Vol.8. pp. 3971-3981. ISSN P-ISSN: 2686-262X; E-ISSN: 2685-9300