Panjaitan, F. ., Naibaho, K. E. T., Pasaribu, R. M. ., Damanik, H. M. . and Siahaan, J. W. . (2026) “Social Influence and Digital Payment Adoption among Generation Z: The Mediating Role of Lifestyle”, Studi Akuntansi, Keuangan, dan Manajemen, 5(4), pp. 295–308. doi: 10.35912/sakman.v5i4.6357.