Akbar, Ikhsan Permana, and Regina Jansen Arsjah. “Pengaruh Financial Literacy, Self Control, and Financial Technology Utilization Terhadap Financial Behavior Generasi Z”. Jurnal Ilmu Multidisiplin, vol. 5, no. 1, Apr. 2026, pp. 517-28, doi:10.38035/jim.v5i1.1810.