Febriyanto, Ahmad, Niniek Adenia, Isfiya Annabila, and Rizaldi Yusfiarto. “CBDC ADOPTION: ALIGNING MODEL TECHNOSTRESS INHIBITORS AND PERCEIVED VALUE AMONG INDONESIAN GENERATION Z”. Journal of Central Banking Law and Institutions 4, no. 1 (January 21, 2025): 49–78. Accessed November 13, 2025. https://mail.jcli-bi.org/index.php/jcli/article/view/258.