HARIPIN, H.; INDRAPRAKOSO, D. .; WIBISONO, G. .; UTOMO, H. Understanding fintech excellence: A scholarly review of the diploma fintech model for effective global implementation . International Journal of Financial, Accounting, and Management, [S. l.], v. 7, n. 3, p. 387–406, 2025. DOI: 10.35912/ijfam.v7i3.2825. Disponível em: https://goodwoodpub.com/index.php/ijfam/article/view/2825. Acesso em: 19 feb. 2026.