Ugli, Teshaev Jahongir Isomiddin, et al. “DOES A ACCOUNTING LITERACY, FINANCIAL TECHNOLOGY, RISK LEVEL AND LOCUS OF CONTROL ON INVESTMENT DECISIONS AMONG Z GENERATION?”. Journal of Innovation Research and Knowledge, vol. 5, no. 1, June 2025, pp. 461-70, doi:10.53625/jirk.v5i1.10383.