SAPTA RINI, Anggarwati; MUKTI SOMA, Abdul. Determinants of Financial Literacy, Digital Literacy and Consumer Confidence Level Mediated by Fintech Literacy on Retail Industry Growth in Indonesia. International Journal of Science, Technology & Management, [S. l.], v. 6, n. 2, p. 327–338, 2025. DOI: 10.46729/ijstm.v6i2.1280. Disponível em: https://ijstm.inarah.co.id/index.php/ijstm/article/view/1280. Acesso em: 12 feb. 2026.