MUCHSIN, Faricha Mulya Rahmaniah; AGUSTIANTO, Mochammad Andre. THEORETICAL GAP ANALYSIS: CONSTRUCTION OF A MODEL OF GENERATION Z CONSUMER BEHAVIOR TOWARDS THE ADOPTION OF DIGITAL SHARIA FINANCIAL SERVICES: PEMETAAN KESENJANGAN TEORITIS (GAP ANALYSIS): KONTRUKSI MODEL PERILAKU KONSUMEN GENERASI Z TERHADAP ADOPSI LAYANAN KEUANGAN SYARIAH DIGITAL. ADILLA : Jurnal Ilmiah Ekonomi Syari’ah, [S. l.], v. 9, n. 1, p. 105–120, 2026. DOI: 10.52166/adilla.v9i1.11117. Disponível em: https://ejournal.unisda.ac.id/index.php/adilla/article/view/11117. Acesso em: 4 jun. 2026.