Ugli, Teshaev Jahongir Isomiddin, Denny Andriana, and R Nelly Nur Apandi. 2025. “DOES A ACCOUNTING LITERACY, FINANCIAL TECHNOLOGY, RISK LEVEL AND LOCUS OF CONTROL ON INVESTMENT DECISIONS AMONG Z GENERATION?”. Journal of Innovation Research and Knowledge 5 (1):461-70. https://mail.bajangjournal.com/index.php/JIRK/article/view/10383.