Muhammad Haris Saputra, Kurnia Permana and Try Syeftiani (2025) ā€œReconceptualizing Financial Management in the Age of FinTech 4.0: Efficiency, Inclusion, and Financial Resilienceā€, International Journal of Business and Quality Research, 3(04), pp. 449-464. doi: 10.63922/ijbqr.v3i04.2844.