“Analisis Peran Financial Literacy Dalam Memoderasi Financial Self-Efficacy, Social Influence Terhadap Intention To Use Cashless Payment Pada Generasi Z Surabaya ”. 2024. Management Studies and Entrepreneurship Journal (MSEJ) 5 (2): 8467-79. https://doi.org/10.37385/msej.v5i2.5653.