Izumi, Calvina, and Rilliandi Arindra Putawa. 2026. “A Hybrid Machine-Learning and Econometric Panel VAR Approach to Assess FinTech Adoption and Digital Economy Growth in Emerging Markets”. Fintech Innovation Journal 1 (1):1-16. https://ftij.metabright-server.com/index.php/ftij/article/view/1.