Candy, C., Ernestine, E., Marheni, D. K., & Chandra, T. (2026). Linking Socialization to Behavior: The Mediating Impact of Financial and Digital Skills Among Generation Z. Jurnal Organisasi Dan Manajemen, 22(1), 97–109. https://doi.org/10.33830/jom.v22i1.13055.2026