NINGRUM, K. H.; ANWAR, M. Analisis Peran Financial Literacy Dalam Memoderasi Financial Self-Efficacy, Social Influence Terhadap Intention To Use Cashless Payment Pada Generasi Z Surabaya . Management Studies and Entrepreneurship Journal (MSEJ), [S. l.], v. 5, n. 2, p. 8467–8479, 2024. DOI: 10.37385/msej.v5i2.5653. Disponível em: https://journal.yrpipku.com/index.php/msej/article/view/5653. Acesso em: 1 jul. 2025.