Wihelmina Muni, Septia S. Dioh, Taqwa Sultan, Moni Y. Siahaan, & Yanti S. Giri. (2026). Determinants of Financial Management Behavior Among Generation Z University Students in Kupang: The Role of Financial Literacy, Financial Technology Adoption, and Financial Self-Efficacy. Journal of Practical Management Studies, 1(1), 49–61. https://doi.org/10.61106/jpms.v1i1.144