Perawati P, Juniwati J, Malini H, Azazi A, Mustika UN. Financial literacy and financial technology on the personal finance behavior of generation z . JMAS [Internet]. 2025Jan.9 [cited 2026Apr.17];8(1):179-88. Available from: https://exsys.iocspublisher.org/index.php/JMAS/article/view/589