Gian Talitha, Amanda, Azmi Fitriati, Bima Cinintya Pratama, and Siti Nur Azizah. 2026. “Adopsi Pembayaran Digital Bagi Generasi Z: Peran Usefulness, Ease of Use, Risk Dan Trust”. Journal of Accounting and Finance Management 6 (6):3208-26. https://doi.org/10.38035/jafm.v6i6.2955.