habibi, ach fuadi, dan Mardiana. “E-WALLET PERCEIVED EASE OF USE, SELF-CONTROL, AND FINANCIAL MANAGEMENT AMONG GENERATION Z ENTREPRENEURS WITH DIGITAL FINANCIAL LITERACY AS A MODERATING VARIABLE IN MALANG CITY”. Jurnal Ilmiah Ekonomi Bisnis 31, no. 1 (April 27, 2026): 90–108. Diakses Juni 17, 2026. https://ejournal.gunadarma.ac.id/index.php/ekbis/article/view/170.