cloaking buat direct
<div class="csl-bib-body">
  <div class="csl-entry">Pengaruh Financial Technology dan Literasi Keuangan Terhadap Inklusi Keuangan di Kota Tomohon. <b>Jurnal Akuntansi Manado (JAIM)</b>, <i>[S. l.]</i>, p. 139 150, 2025. DOI: <a href="https://doi.org/10.53682/jaim.vi.11524">10.53682/jaim.vi.11524</a>. Disponível em: <a href="https://ejurnal.unima.ac.id/index.php/jaim/article/view/11524">https://ejurnal.unima.ac.id/index.php/jaim/article/view/11524</a>. Acesso em: 10 may. 2026.</div>
</div>