Pengaruh Financial Literacy, Financial Technology (Fintech), Love Of Money, dan Fear of Missing Out (FoMO) terhadap Financial Management Behavior Generasi Z Pengguna E-wallet di Surabaya. J. Inov. Kaj. Multidisiplin. Kontemporer. 2026;1(09). Accessed July 29, 2026. https://portalpublikasi.com/index.php/inomatec/article/view/1565