Sjioen, A. E., J. U. S. P. Djawang, M. K. D. Rane, M. R. Mbado, and Y. F. Lerrick. “What Drives Generation Z to Use E-Wallets? The Moderating Role of Trust in Digital Payment Adoption”. Jurnal Manajemen Maranatha, vol. 25, no. 2, May 2026, pp. 231-48, doi:10.28932/jmm.v25i2.14914.