Paramitalaksmi, Ratri, Tutut Dewi Astuti, Azfa Mutiara Pabulo, and Roselina Ahmad Saufi. 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.