SYLVESTER, Gunawan; RAHARDI, Majid. Segmentation of Generation Z Spending Habits Using the K-Means Clustering Algorithm: An Empirical Study on Financial Behavior Patterns. Journal of Applied Informatics and Computing, [S. l.], v. 9, n. 6, p. 3244–3258, 2025. DOI: 10.30871/jaic.v9i6.11506. Disponível em: https://jurnal.polibatam.ac.id/index.php/JAIC/article/view/11506. Acesso em: 14 sep. 2026.