YUSOF, S. M.; ABU TALIB, A. S. .; ZAIDI, N. S. DIGITAL FINANCE TOOLS AND FINANCIAL INCLUSION IN MALAYSIA: AN ANALYSIS BASED ON SURVEY DATA . UNIMAS Review of Accounting and Finance, [S. l.], v. 9, n. 1, p. 306–317, 2025. DOI: 10.33736/uraf.11728.2025. Disponível em: https://publisher.unimas.my/ojs/index.php/URAF/article/view/11728. Acesso em: 9 jan. 2026.