Kaisya Dinsa Novfrida, Ira Wikartika, and Fani Khoirotunisa. “The Role of Digital Financial Literacy in Moderating the Influence of Digital Payments on Overspending Behavior Among Generation Z in Surabaya”. Al-Kharaj: Journal of Islamic Economic and Business 8, no. 2 (April 26, 2026). Accessed April 26, 2026. https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/8456.