Oktala, R. et al. 2026. Financial Self-Efficacy as a Predictor of FinTech Adoption and Financial Planning Behavior: Empirical Evidence from Palembang, Indonesia. Golden Ratio of Auditing Research. 7, 1 (Oct. 2026), 205–220. DOI:https://doi.org/10.52970/grar.v7i1.2652.