PERAWATI, P.; JUNIWATI, J.; MALINI, H. .; AZAZI, A. .; MUSTIKA, U. N. . Financial literacy and financial technology on the personal finance behavior of generation z . Journal of Management Science (JMAS), [S. l.], v. 8, n. 1, p. 179–188, 2025. Disponível em: https://exsys.iocspublisher.org/index.php/JMAS/article/view/589. Acesso em: 17 apr. 2026.