AFRIZAL, Afrizal. Fintech and Risk Literacy: Understanding User Awareness of Digital Financial Risks. Oikonomia : Journal of Management Economics and Accounting, [S. l.], v. 3, n. 3, p. 1–10, 2026. DOI: 10.61942/oikonomia.v3i3.585. Disponível em: https://jurnalhafasy.com/index.php/oikonomia/article/view/585. Acesso em: 6 may. 2026.