Theoretical Perspectives on Fintech Adoption, Financial Innovation, and Digital Marketing in Modern Financial Systems. The Journal of Theoretical Accounting Research, [S. l.], v. 22, n. 2, p. 30–36, 2026. DOI: 10.53555/mrnj6047. Disponível em: https://jtar.org/index.php/JTAR/article/view/107. Acesso em: 11 apr. 2026.