THE ROLE OF LIFESTYLE MODERATION IN FINANCIAL LITERACY AND INCOME ON GENERATION Z FINANCIAL MANAGEMENT (SURVEY ON SHOPEE PAY LATER USERS IN KUNINGAN REGENCY). The International Conference on Sustainable Economics Management and Accounting Proceeding, [S. l.], v. 1, n. 1, p. 3008–3019, 2025. DOI: 10.32424/icsema.1.1.79. Disponível em: https://proceeding.soedirmanunsoed.com/index.php/icsema/article/view/79. Acesso em: 27 aug. 2026.