Meilana, Bunga, and Desy. “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, vol. 2, no. 2, Sept. 2026, pp. 662-71, doi:10.38035/snefr.v2i2.1090.