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This paper discusses the impact of digitalization and fintech as disruptors in the financial sector, highlighting how technology-driven innovations are transforming traditional financial institutions and enhancing financial inclusion. It outlines the evolution of fintech, its role in empowering financial services, and the challenges faced by traditional financial institutions in adapting to this new landscape. The findings emphasize that fintech not only disrupts existing models but also creates opportuniti

Author

jhnmalaysia

Language

EN