Sinaga, Santa Oktaviana, Tiorika Nababan, and Ananda Anugrah Nasution. 2026. “Influence Use Digital Payment Qris, And Financial Literacy on Gen Z’s Consumptive Behavior”. Journal of Innovative and Creativity (Joecy) 6 (1):7867-75. https://doi.org/10.31004/joecy.v6i1.7007.