Saputra, A. R., S. L. Z. Ridho, H. binti H. M. Sabli, D. H. binti A. A. Rahman, R. Anggraini, and R. H. Munandar. “FACTORS INFLUENCING GENERATION Z’S CONSUMER BEHAVIOR IN INTEREST IN USING DIGITAL PAYMENTS”. International Conference on Universal Wellbeing (ICUW) 2023, vol. 1, no. 1, Jan. 2025, pp. 149-54, https://asasijournal.com/index.php/icuw2023/article/view/40.