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. (2026). INOMATEC: Jurnal Inovasi Dan Kajian Multidisipliner Kontemporer , 1(09). https://portalpublikasi.com/index.php/inomatec/article/view/1565