MUSTAPA, S. N. S.; AHMAD, S. S.; ZAKARIA, A. 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), [S. l.], v. 8, n. 29, p. 2043–2058, 2026. DOI: 10.35631/AIJBES.829117. Disponível em: https://gaexcellence.com/aijbes/article/view/8889. Acesso em: 9 oct. 2026.