Muchsin, Faricha, and Mochammad Agustianto. “THEORETICAL GAP ANALYSIS: CONSTRUCTION OF A MODEL OF GENERATION Z CONSUMER BEHAVIOR TOWARDS THE ADOPTION OF DIGITAL SHARIA FINANCIAL SERVICES”. ADILLA : Jurnal Ilmiah Ekonomi Syari’ah 9, no. 1 (January 2, 2026): 105-120. Accessed January 21, 2026. https://e-jurnal.unisda.ac.id/index.php/adilla/article/view/11117.