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. GLOBE [Internet]. 2026 Oct. 11 [cited 2026 Oct. 24];1(1). Available from: https://ejournal.uhb.ac.id/index.php/globeforum/article/view/2480