WIHELMINA MUNI; SEPTIA S. DIOH; TAQWA SULTAN; MONI Y. SIAHAAN; YANTI S. GIRI. 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, [S. l.], v. 1, n. 1, p. 49–61, 2026. DOI: 10.61106/jpms.v1i1.144. Disponível em: https://jurnal.jalaberkat.com/index.php/jpms/article/view/144. Acesso em: 12 mar. 2026.