Nur Safitri, W., Fadali, F.R., Zuhal, Z.T., Aisyah , A.R. and Isnain , I.B. 2026. The Effect of E-Wallet Usage on Personal Cash Flow and Net Worth Ratio in Generation Z. Journal of Artificial Intelligence and Engineering Applications (JAIEA). 5, 2 (Feb. 2026), 2509–2515. DOI:https://doi.org/10.59934/jaiea.v5i2.1915.