Hidayati, Amalia, Wahyu Dwi Wartisari, Tiana Oktafiani, & M Melvin. " GENERATION Z’S PERSONAL FINANCIAL MANAGEMENT BEHAVIOUR: THE ROLE OF FINANCIAL TECHNOLOGY." Proceedings of the International Conference of Islamic Economics and Business (ICONIES) [Online], 10.1 (2024): 777-788. Web. 2 Apr. 2026