ENCARNACION, M. J.; VECINA, R. A. Improving financial performance through financial literacy, good financial practice and fintech adoption. Divine Word International Journal of Management and Humanities (DWIJMH) (ISSN: 2980-4817), [S. l.], v. 4, n. 2, p. 1688–1707, 2025. DOI: 10.62025/dwijmh.v4i2.145. Disponível em: https://www.dwijmh.org/index.php/dwijmh/article/view/145. Acesso em: 11 feb. 2026.