Muhammad Muammar Zainal Abidin, Cynthia Eka Violita, M. Mustaqim, and Achmad Zaki. “The Influence of Fintech Payments and Hedonistic Lifestyle on Financial Behavior Through Financial Self-Efficacy As a Mediating Variable on Generation Z in Sidoarjo Regency”. International Journal of Economics, Business and Innovation Research, Vol. 5, no. 04, July 2026, pp. 4409-28, doi:10.63922/ijebir.v5i04.5111.