2025. Pengaruh Financial Technology Payment, Literasi Keuangan Dan Gaya Hidup Terhadap Pengelolaan Keuangan Generasi Z . Management Studies and Entrepreneurship Journal (MSEJ). 6, 6 (Dec. 2025), 1272–1282. DOI:https://doi.org/10.37385/msej.v6i6.10062.