1.
Gilang Kharisma Putra, Arum Pujiastuti. Why Generation Z Borrow? The Roles of Fomo, Financial Overconfidence, and BNPL. Lokawati [Internet]. 2026 May 30 [cited 2026 Sep. 30];4(3):104-21. Available from: https://journal.arimbi.or.id/index.php/Lokawati/article/view/2676