Yusof SM, Abu Talib AS, Zaidi NS. DIGITAL FINANCE TOOLS AND FINANCIAL INCLUSION IN MALAYSIA: AN ANALYSIS BASED ON SURVEY DATA . URAF [Internet]. 2025 Dec. 12 [cited 2026 Jan. 9];9(1):306-17. Available from: https://publisher.unimas.my/ojs/index.php/URAF/article/view/11728