N. A. Zalmy, B. D. Widiyasti, B. N. Nirwana, W. Hendri, and R. Alpiansah, “Pengaruh Fintech Payment, Financial Literacy dan Locus of Control terhadap Financial Management Behavior pada Gen-Z di Kota Mataram”, J-CEKI, vol. 4, no. 6, pp. 1417–1430, Sep. 2025.