SETYAWATI, A. The Effect of Financial Literacy and Inclusion on Personal Financial Management with Fintech as a Moderating Variable. Journal of Applied Business, Taxation and Economics Research, [S. l.], v. 4, n. 6, p. 998–1005, 2025. DOI: 10.54408/jabter.v4i6.524. Disponível em: https://equatorscience.com/index.php/jabter/article/view/524. Acesso em: 10 nov. 2025.