Sakti, A., Riawan, R. and Rapini, T. 2026. The effect of financial technology and frugal living on financial management behavior of generation Z in Ponorogo Regency with gender as a moderating variable. Journal of Management : Small and Medium Enterprises (SMEs). 19, 3 (Nov. 2026), 2359-2375. DOI:https://doi.org/10.35508/jom.v19i3.27794.