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Keywords: Perfect automation schema
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Journal Articles
VINE Journal of Information and Knowledge Management Systems 1–30.
Published: 30 July 2026
... ( DL ), crypto-literacy ( CL ) and the Perfect Automation Schema ( PAS ) shape DFB in an emerging economy. Drawing on Knowledge Management ( KM ) theory, these literacies are interpreted as forms of Personal Knowledge Management ( PKM ) that enable user engagement with digital finance. Design...
