PENGGUNAAN QRIS, FINANCIAL WELL-BEING, DAN FINANCIAL SELF-EFFICACY PADA GENERASI Z DI KOTA PADANG. Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi, [S. l.], v. 25, n. 11, 2026. Disponível em: https://journal.cib.institute/index.php/musytari/article/view/4775. Acesso em: 3 oct. 2026.