Bridging digital capabilities and financial resilience: A comparative study of FinTech, AI literacy, and financial inclusion among households in Malaysia and Indonesia

Digital financial services increasingly operate within AI-mediated commerce ecosystems, yet meaningful participation depends not only on access but on users’ ability to convert digital capabilities into sustained financial behaviour. This study proposes and empirically validates the Behavioural–Capa...

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Main Authors:	Sabri, Mohamad Fazli, Trinugroho, Irwan, Magli, Amirah Shazana, Law, Siong Hook, Wahyono, Budi, Ridhwan, Masagus M., Septianto, Fadli
Format:	Article
Language:	en
Published:	Elsevier B.V. 2026
Subjects:	Development Sociology and Political Science Economics, Econometrics and Finance (all)
Online Access:	http://psasir.upm.edu.my/id/eprint/124695/1/124695.htm http://psasir.upm.edu.my/id/eprint/124695/ https://linkinghub.elsevier.com/retrieve/pii/S2199853126000454
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