Azafii, A. S. ., N. Tubastuvi, I. Y. . Rahmawati, and D. . Widyaningtyas. “The Influence of Financial Literacy, Financial Technology, Financial Attitude, Financial Skills, and Financial Behavior of Generation Z on Financial Inclusion of Islamic Banking in E-Commerce Transactions”. International Journal of Business and Applied Economics, vol. 4, no. 1, Jan. 2025, pp. 461-76, doi:10.55927/ijbae.v4i1.13469.