Sapta Rini, A. and Mukti Soma, A. . (2024) “Determinants Of Financial Literacy, Digital Literacy, Internet Penetration And Consumer Confidence Level Mediated By Fintech Growth On Retail Industry Growth In Indonesia”, International Journal of Educational Research & Social Sciences , 5(6), pp. 943–952. doi: 10.51601/ijersc.v5i6.928.