Yuneline, Mirza Hedismarlina, and Fanny Karina. “The Role of Digital Payment, Peer-to-Peer Lending, and Digital Financial Literacy in Fostering Gen Z’s Micro Small Medium Enterprises Sustainability”. Jurnal Manajemen Teknologi, vol. 24, no. 3, Dec. 2025, doi:10.12695/jmt.2025.24.3.2.