Tanno, A., Juita, V., Novianda, B., Putri, A., & Muda, I. (2024). Financial Literacy, Risk Tolerance and Fintech Adoption among Students in Four State Universities in Padang City, Indonesia. Journal of Management World, 2024(4), 172–181. https://doi.org/10.53935/jomw.v2024i4.358