S. Rosyid, F. Rachmaniyah, and S. Zuhri, “PENGARUH FINANCIAL LITERACY, FINANCIAL INCLUSION DAN FINANCIAL TECHNOLOGY TERHADAP PERILAKU KEUANGAN PADA GENERASI Z”, J-EEMB (Journal of Economic Entrepreneurship and Management Business), vol. 1, no. 2, pp. 104-125, Dec. 2025.