JACOB, Dahna Mae. Enhancing Digital Financial Literacy and Inclusion of Consumers: Strategic Insights for Policy and Business Practices. International Journal of Education, Research, and Innovation Perspectives, Philippines, v. 2, n. 4, p. 1869–1890, 2026. DOI: 10.5281/zenodo.19982631. Disponível em: https://ijerip.erio.org.ph/index.php/articles/article/view/568. Acesso em: 3 may. 2026.