Afiful Ichwan. “E-WALLET: MAKE GENERATION Z MORE CONSUMPTIVE? E-WALLET: MAKE GENERATION Z MORE CONSUMPTIVE?”. Indonesian Journal of Islamic Economics Research 7, no. 1 (December 17, 2025). Accessed February 14, 2026. https://ejournal.uinsalatiga.ac.id/index.php/ijier/article/view/5498.