Febriyanto, A., Adenia, N., Annabila, I., & Yusfiarto, R. (2025). CBDC ADOPTION: ALIGNING MODEL TECHNOSTRESS INHIBITORS AND PERCEIVED VALUE AMONG INDONESIAN GENERATION Z. Journal of Central Banking Law and Institutions, 4(1), 49–78. https://doi.org/10.21098/jcli.v4i1.258