Pratama, M. F., Rachmawati, & Tambunan, R. (2026). Perceptions and Experiences of Beginner Investors In Making Investment Decisions in The Digital Era: A Qualitative Study of Investment Application Users. Economics and Business Journal (ECBIS), 4(3), 583–596. https://doi.org/10.47353/ecbis.v4i3.306