Hamdat, Aminuddin, Ramlah Ramlah, Izaac L D Lawalata, Muhammad Rizal, and Andi Lutfi. “Financial Literacy, Digital Payments, and Saving Behavior of Gen Z”. Jurnal Manajemen Perbankan Keuangan Nitro 2, no. 1 (January 29, 2026): 124–133. Accessed February 28, 2026. https://ojs.nitromks.ac.id/JMPKN/article/view/882.