Irawan, M. I., M. Maiyaliza, and B. Dhevyanto. “The Influence of Fintech, Financial Literacy, and Lifestyle on the Investment of the Younger Generation”. Journal of Management : Small and Medium Enterprises (SMEs), Vol. 19, no. 3, Nov. 2026, pp. 2291-05, doi:10.35508/jom.v19i3.28063.