Ningrum, K. H., and M. Anwar. “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), vol. 5, no. 2, Nov. 2024, pp. 8467-79, doi:10.37385/msej.v5i2.5653.