Karlina, Karlina, and Krisdiana Krisdiana. 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), 1401-15. https://doi.org/10.35508/jom.v19i2.27927.