Yusof, S.M., Abu Talib, A.S. and Zaidi, N.S. 2025. DIGITAL FINANCE TOOLS AND FINANCIAL INCLUSION IN MALAYSIA: AN ANALYSIS BASED ON SURVEY DATA . UNIMAS Review of Accounting and Finance. 9, 1 (Dec. 2025), 306–317. DOI:https://doi.org/10.33736/uraf.11728.2025.