Delia, M., R. Kusumastuti, and D. L. Silvera. “The Influence of Cognitive, Behavioral, Lifestyle, and Socioeconomic Factors on the Personal Financial Management of Generation Z”. Jurnal Ilmiah Global Education, vol. 7, no. 3, Sept. 2026, pp. 2819-26, doi:10.55681/jige.v7i3.6788.