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DETERMINANTS OF DIGITAL FINANCIAL INCLUSION AMONG LOW-INCOME HOUSEHOLDS: COMPARISON BETWEEN PENINSULAR AND EAST MALAYSIA. IJBF [Internet]. 2025 Jul. 31 [cited 2025 Nov. 10];20(2):91-115. Available from: https://www.educationmalaysia.co.uk/index.php/ijbf/article/view/26137