Panjaitan, P., Azazi, A., Fitriana, A., Ristyawan, M. R., & Syahputri, A. (2026). Financial Literacy as a Moderator of the Effects of Fintech Payment, Income, and Hedonic Lifestyle on Impulse Buying among Generation Z. Journal of Educational Management Research, 5(2), 2225–2240. https://doi.org/10.61987/jemr.v5i2.2014