Sukasih, Ni Kadek Dewi, et al. “Euforia Atau Kehati-Hatian? Studi Persepsi Gen Z Terhadap Pinjaman Online Berbasis Fintech Di Era Digital”. Benefit: Journal of Bussiness, Economics, and Finance, vol. 3, no. 2, Aug. 2025, pp. 2301-13, doi:10.70437/benefit.v3i2.1427.