VELISIA; RAMADANIA; MUSTIKA, U. N.; RISTYAWAN, M. R.; SYAHPUTRI, A. Digital Consumption and Generation Z: The Roles of Digital Payment, Social Media, Financial Literacy, and Self-Control . Journal of Educational Management Research , [S. l.], v. 5, n. 5, p. 5695–5710, 2026. DOI: 10.61987/jemr.v5i5.3045. Disponível em: https://serambi.org/index.php/jemr/article/view/3045. Acesso em: 23 oct. 2026.