Paramitalaksmi, R., Astuti, T. D., Pabulo, A. M., & Saufi, R. A. (2026). The Digital Financial Inclusion Paradox in Personal Financial Management among Gen Z and Millennials in Yogyakarta and Semarang. Ilomata International Journal of Tax and Accounting, 7(3), 1–9. https://doi.org/10.61194/ijtc.v7i3.2640