Endahti, Les, and Muhammad Shihab Faturahman. “System Dynamics Modelling of FinTech Innovation Diffusion, Digital Economy Feedback Loops, and Regulatory Scenarios”. Fintech Innovation Journal, vol. 1, no. 3, May 2026, pp. 263-85, https://ftij.mbicore.com/index.php/ftij/article/view/14.