FRADITHA CATHERINE KALANGIT; BUDI WIDIYO IRYANTO. The Effect of Financial Literacy and Fintech Utilization on Personal Financial Management of Generation Z in Central Jakarta: The Role of a Consumptive Lifestyle as a Moderating Variable. Proceedings of the International Conference GLOBE Forum , [S. l.], v. 1, n. 1, 2026. Disponível em: https://ejournal.uhb.ac.id/index.php/globeforum/article/view/2480. Acesso em: 24 oct. 2026.