SINAGA, S. O.; NABABAN, T.; NASUTION, A. A. Influence Use Digital Payment Qris, And Financial Literacy on Gen Z’s Consumptive Behavior. Journal of Innovative and Creativity (Joecy), [S. l.], v. 6, n. 1, p. 7867–7875, 2026. DOI: 10.31004/joecy.v6i1.7007. Disponível em: https://joecy.org/index.php/joecy/article/view/7007. Acesso em: 11 oct. 2026.