Hamdat, Aminuddin, Ramlah Ramlah, Izaac L D Lawalata, Muhammad Rizal, and Andi Lutfi. 2026. “Financial Literacy, Digital Payments, and Saving Behavior of Gen Z”. Jurnal Manajemen Perbankan Keuangan Nitro 2 (1):124-33. https://doi.org/10.56858/jmpkn.v2i1.882.