Wafi, Inngamul, Slamet Pamuji, and Mohammad Dendi Abdul Nasir. “Financial Technology As a Socio-Technical Entity in the Digital Financial System: A Systematic Literature Review”. Indonesian Journal of Innovation Multidisipliner Research 4, no. 2 (April 13, 2026): 1–14. Accessed October 10, 2026. https://multidisipliner.org/ijim/article/view/448.