The influence of financial literacy, lifestyle, self-control, peer conformity, and e-money on consumer behaviour among university students Fairuz salsa bila, Buyung Sarita, Wahyuniati Hamid Jurnal HOMANIS: Halu Oleo Manajemen dan Bisnis Vol. 3 No. 3 2026 DOI 10.55598/homanis.v3i3.321