Ali, M. Makhrus, Abdul Manap, Suroso, and Vidya Ramadhan Putra Pratama. 2026. “Behavioral Biases, Digital Payment Adoption, and Personal Financial Planning: Evidence from Millennial and Gen Z Consumers”. Journal Management & Economics Review (JUMPER) 3 (9):531-46. https://doi.org/10.59971/jumper.v3i9.951.