Kezia Pearly Sembel, and Sita Deliyana. “ANALISIS DETERMINAN DIGITAL FINANCIAL LITERACY : PERBANDINGAN GENERASI Z DAN Y ”. JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). 10, no. 2 (August 30, 2023): 1436–1450. Accessed January 15, 2026. https://ejournal.unsrat.ac.id/v3/index.php/jmbi/article/view/50385.