Tran Thi Phuong Thuy, Ngo Huu Thang, and Duong The Duy. “Factors Affecting Gen Z’s Intention to Use ZaloPay E-Wallet in Ho Chi Minh City”. VNU JOURNAL OF ECONOMICS AND BUSINESS, vol. 5, no. 3, June 2025, p. 91, doi:10.57110/vnu-jeb.v5i3.421.