Siboro, S. F., Ferdiyanto, Y. A., & Frimayasa, A. (2025). The Role of Financial Literacy and Technology Readiness in Encouraging the Use of Fintech for Financial Planning Among Generation Z. Jurnal Multidisiplin Sahombu, 5(02), 497–507. Retrieved from https://ejournal.seaninstitute.or.id/index.php/JMS/article/view/6364