Ela Elliyana, Lili Marlina, Ayuwandira M. Morad, and Renny Mointi. “Literatur Review : The Future Potential of FinTech”. MANDAR: Management Development and Applied Research Journal 5, no. 1 (December 29, 2022): 234-241. Accessed August 7, 2025. https://ojs.unsulbar.ac.id/index.php/mandar/article/view/2206.