Munna, N. N. ., Widiastuti, A. ., & Riyoko , S. . (2025). The Impact of Financial Technology on Employee Well-Being in PDAM Jepara: Mediating Roles of Financial Literacy and Lifestyle. Golden Ratio of Finance Management, 5(1), 239–251. https://doi.org/10.52970/grfm.v5i1.1099