Mustapa, S.N.S., Ahmad, S.S. and Zakaria, A. 2026. PROMOTING RESPONSIBLE FINTECH USAGE THROUGH DIGITAL FINANCIAL LITERACY: A CONCEPTUAL PERSPECTIVE FOR MALAYSIAN YOUNG ADULTS. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES). 8, 29 (Sep. 2026), 2043–2058. DOI:https://doi.org/10.35631/AIJBES.829117.