BENEDIKTUS, F.; KOHARDINATA, C. Double Literacy, Double Protection?: Minimising Gen Z’s Risky Digital Credit Behaviour In Surabaya Through Financial Literacy And Digital Financial Literacy. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis, v. 12, n. 3, p. 3005–3016, 16 jul. 2024.