Zakiyyah, Amalina Maryam. “Clustering Analysis on Financial Literacy, Digital Literacy, and Digital Financial Literacy of Emerging Adults (Gen Z) Investors in Rural East Java”. Jurnal Penelitian IPTEKS 10, no. 1 (January 30, 2025): 38–43. Accessed February 23, 2026. https://ejurnal.unmuhjember.ac.id/index.php/PENELITIAN_IPTEKS/article/view/1901.