S. Chaniago, Nurul Syafiqah Azman, Ahmad Fadli, Deva Djohan, and Widy Hastuty, “Empowering Generation Z: The Influence of Self-Efficacy and Digital Financial Inclusion on Financial Behavior in the Digital Era”, JoFIBI, vol. 1, no. 2, pp. 8–14, Nov. 2025.