Karlina, K. and Krisdiana, K. 2026. The effect of financial literacy and user experience on e-wallet user loyalty with user satisfaction as a mediation variable on generation Z in Cirebon City. Journal of Management : Small and Medium Enterprises (SMEs). 19, 2 (Jul. 2026), 1401-1415. DOI:https://doi.org/10.35508/jom.v19i2.27927.