Muhammad Haris Saputra, Kurnia Permana, and Try Syeftiani. 2025. “Reconceptualizing Financial Management in the Age of FinTech 4.0: Efficiency, Inclusion, and Financial Resilience”. International Journal of Business and Quality Research 3 (04), 449-64. https://doi.org/10.63922/ijbqr.v3i04.2844.