Andhini, Nadinka Ayu, and Susnaningsih Muat. 2025. “Tapping into the Future: What Drives Generation Z to Adopt Digital Payments? ”. InJBM : Integrated Research Journal of Business and Management 1 (2):148-69. https://icess.uin-suska.ac.id/index.php/injbm/article/view/256.