CONSUMER HABITS AND DIGITAL PAYMENT BEHAVIOR AMONG TOURISTS: EVIDENCE FROM AN EMERGING COASTAL TOURISM DESTINATION IN INDONESIA . Sumarni, Rahmi Wahyuni, Baso R, Safaruddin, NURUL WAHYUNI, . Sumarni JURNAL AKUNTANSI DAN KEUANGAN Vol. 11 No. 02 2026 DOI 10.33772/jak-uho.v11i02.362