Suhandi, Sri Mulyati and Hanafi Siregar (2026) “GENERATION Z FINANCIAL MANAGEMENT FROM A BEHAVIORAL FINANCE PERSPECTIVE: THE ROLE OF FINTECH, CONSUMPTIVE BEHAVIOR, FINANCIAL ATTITUDE, AND FINANCIAL PLANNING”, International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET), 5(5), pp. 3255–3266. doi: 10.5281/zenodo.20123560.