KUNTADI, Y. A. Beyond Traditional Technology Acceptance: The Role of Financial Literature and Risk Awareness in Indonesian Fintech Adoption. EQUILIBRIUM - Jurnal Bisnis dan Akuntansi, [S. l.], v. 19, n. 2, p. 226–242, 2025. DOI: 10.61179/ejba.v19i2.783. Disponível em: http://journal.ukrim.ac.id/index.php/jem/article/view/783. Acesso em: 28 nov. 2025.