FINANCIAL LITERACY AND QRIS UTILIZATION AS DETERMINANTS OF CONSUMPTIVE BEHAVIOR CONTROL AMONG GENERATION Z. EQUILIBRIUM: JURNAL PENELITIAN PENDIDIKAN DAN EKONOMI, [S. l.], v. 23, n. 2, p. 244–258, 2026. DOI: 10.25134/rf1rz728. Disponível em: https://equilibrium.uniku.ac.id/pub/article/view/168. Acesso em: 17 aug. 2026.