Roosdhani, Mohamad Rifqy, Samsul Arifin, Nurul Komaryatin, Ali Ali, Nurul Huda, and Muhammad Khoiruddin. “Generation Z Decision to Use E-Wallets and Its Drivers”. Economics and Business Solutions Journal 9, no. 2 (October 23, 2025): 182–198. Accessed June 29, 2026. https://journals.usm.ac.id/index.php/ebsj/article/view/11982.