Rosman, M. S. ., B. . Abdul Karim, A. U. R. Hafeez Ur Rehman, and N. Kadri. “FINANCIAL LITERACY AND FINTECH ADOPTION AMONG UNIMAS STUDENTS”. UNIMAS Review of Accounting and Finance, vol. 9, no. 1, Dec. 2025, pp. 195-19, doi:10.33736/uraf.11618.2025.