FAIZ, A.; FERNANDO , Y.; AZIZUL, F. Beyond Universal Models a Dual-Pathway Conceptual Framework for Fintech Adoption in Multi-Ethnic Emerging Economies. International Journal of Entrepreneurship, Business and Technology, [S. l.], v. 2, n. 1, 2025. DOI: 10.59021/ijebt.v2i1.14. Disponível em: https://journal.hdf-international.com/index.php/IJEBT/article/view/14. Acesso em: 2 feb. 2026.