LU’AY NATSWA, Salsabilla; ., Subagyo. Gen Z’s Cashless Behavior: How QRIS Moderating Digital Financial Literacy and Spending Behavior Affects on E-Wallet Utilization?. KnE Social Sciences, [S. l.], v. 9, n. 4, p. 306–324, 2024. DOI: 10.18502/kss.v9i4.15078. Disponível em: https://knepublishing.com/index.php/KnE-Social/article/view/15078. Acesso em: 1 sep. 2025.