Azalia Buya Winona, Bryan Clarence Wirawan, and Minsani Mariani. “From Screens to Savings: A Study on Gen Z’s Digital Adoption in Greater Jakarta”. Migration Letters 20, no. S8 (November 4, 2023): 410–419. Accessed July 22, 2024. https://migrationletters.com/index.php/ml/article/view/4618.