Meilana, Bunga, and Desy. 2026. “The Influence of Financial Technology Usage, Financial Literacy, and Lifestyle on Financial Behavior (A Case Study on Generation Z Students in Surakarta City)”. Siber Nusantara of Economic and Finance Review 2 (2):662-71. https://doi.org/10.38035/snefr.v2i2.1090.