DETERMINANTS OF DIGITAL FINANCIAL INCLUSION AMONG LOW-INCOME HOUSEHOLDS: COMPARISON BETWEEN PENINSULAR AND EAST MALAYSIA. International Journal of Banking and Finance, [S. l.], v. 20, n. 2, p. 91–115, 2025. DOI: 10.32890/ijbf2025.20.2.5. Disponível em: https://www.educationmalaysia.co.uk/index.php/ijbf/article/view/26137. Acesso em: 10 nov. 2025.