M. I. Pakawaru, M. I. Bakry, Muliati, Y. Mile, and A. A. M. Tanra, “The Role of Financial Literacy in Moderating the Influence of Digital Payments and Lifestyle on Financial Management Behavior of Generation Z in Palu City”, IJEMR, vol. 3, no. 3, pp. 87–105, Nov. 2025.