Fraditha Catherine Kalangit, and 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 , vol. 1, no. 1, Oct. 2026, https://ejournal.uhb.ac.id/index.php/globeforum/article/view/2480.