Zaroni, A. N., Norvadewi and Septiani (2023) “Determinant of Intention to Use Sharia Fintech Among Generation Z”, Proceedings of Femfest International Conference on Economics, Management, and Business, 1, pp. 66–78. Available at: https://ejournal.unida.gontor.ac.id/index.php/FICCOMSS/article/view/10854 (Accessed: 7December2025).