Yusof, S. M., A. S. . Abu Talib, and N. S. Zaidi. “DIGITAL FINANCE TOOLS AND FINANCIAL INCLUSION IN MALAYSIA: AN ANALYSIS BASED ON SURVEY DATA”. UNIMAS Review of Accounting and Finance, vol. 9, no. 1, Dec. 2025, pp. 306-17, doi:10.33736/uraf.11728.2025.