Muhammad Multazam, Sutan Febriasyah, Ismuhadi, Yusnidar, Maulana Majied Sumatrani Saragih. The Effect of Digital Financial Literacy, Fintech Use, and Financial Self- Efficacy on Generation Z Financial Management Behavior in Lhokseumawe. JEMDE [Internet]. 2026 Apr. 30 [cited 2026 Oct. 10];1(2):70-6. Available from: https://ojs.sumatraniresearch.id/index.php/JEMDE/article/view/18