Role of Financial Literacy and Saving Habits on Fintech Adoption post Covid-19. ETIKONOMI, [S. l.], v. 23, n. 1, p. 63–80, 2024. DOI: 10.15408/etk.v23i1.37856. Disponível em: https://journal.uinjkt.ac.id/etikonomi/article/view/37856. Acesso em: 22 dec. 2025.