Farhan Zikry, Fazil, Siti Fatimah and Zulaiva Ulya 2026. ISLAMIC FINANCIAL LITERACY, DIGITAL PAYMENT, AND GENERATION Z’S INTENTION TO USE SHARIA FINTECH. Journal Informatic, Education and Management (JIEM). 8, 2 (Jun. 2026), 406-415. DOI:https://doi.org/10.61992/jiem.v8i2.379.