Tika Handayani, Riri Cornellia, Anggi Oktaviani, Lubis, L. and Ardelia Suharmanto 2026. Financial Behavior and Investment Decisions among Generation Z: The Role of Risk Perception and Financial Technology (FinTech) Usage. Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID). 5, 08 (Aug. 2026), 2252–2262.