R. A. Castillo Giraldo, M. Caicedo López, Y. García Tonetti, A. C. Palomino Ortiz, and D. C. Soto Torres, “Exploratory study on financial behavior of students at a virtual university in Cartagena de Indias, Colombia”, Enfdis, vol. 11, no. 2, pp. 39-49, Oct. 2026.