F. Ningrum, T. Lestari, and D. B. Putra, “Pengaruh Penggunaan E-Wallet, Kemudahan Teknologi, dan Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Z di Jakarta Utara: The Effect of E-Wallet Use, Ease of Technology, and Financial Literacy on Generation Z’s Consumptive Behavior in North Jakarta”, JMAC, vol. 1, no. 2, pp. 487–496, Sep. 2026.