Sulistijono, Nur Ainina, and Hidayatul Khusnah. 2025. “THE MEDIATING EFFECT OF FINANCIAL TECHNOLOGY USAGE ON THE INFLUENCE OF FINANCIAL LITERACY ON THE FINANCIAL BEHAVIOR OF GEN Z IN SURABAYA”. Business and Finance Journal 10 (2):154-63. https://doi.org/10.33086/bfj.v10i2.8107.