Ratih Puspitaningrum, Arin Setiyowati and Fatkur Huda 2025. ANALYSIS OF GEN Z PERCEPTION OF MOBILE BANKING OPERATIONAL RISKS OF SYARIAH BANKS (Case Study of Islamic Banking Students of UM Surabaya). Multidiciplinary Output Research For Actual and International Issue (MORFAI). 5, 3 (May 2025), 1296–1309. DOI:https://doi.org/10.54443/morfai.v5i3.2965.