%0 Journal Article %T Understanding consumer adoption and actual usage of digital payment instruments: comparison between Generation Y and Generation Z %A Fadhilah, Irfan %A Aruan, Daniel Tumpal H. %A , %J International Journal of Electronic Marketing and Retailing %V 14 %N 1 %P 1 %@ 1741-1025 %D 2023-01-01 %I Inderscience Publishers %~ DeepDyve