ASENG, A. C. Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services. CogITo Smart Journal, [S. l.], v. 6, n. 2, p. 155–166, 2020. DOI: 10.31154/cogito.v6i2.260.155-166. Disponível em: https://cogito.unklab.ac.id/index.php/cogito/article/view/260. Acesso em: 19 aug. 2025.