WARTONO, T.; DARMUN, D.; PRASTIONO, D. Determination of Financial Behavior and Gen-Z Millennial Intention to Adopt Islamic Financial Technology: Integration of Diversity In (UTAUT). Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, [S. l.], v. 8, n. 10, p. 5303–5313, 2026. Disponível em: https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/13706. Acesso em: 4 nov. 2026.