{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,2,19]],"date-time":"2026-02-19T07:22:04Z","timestamp":1771485724371,"version":"3.50.1"},"reference-count":30,"publisher":"IEEE","license":[{"start":{"date-parts":[[2025,10,27]],"date-time":"2025-10-27T00:00:00Z","timestamp":1761523200000},"content-version":"stm-asf","delay-in-days":0,"URL":"https:\/\/doi.org\/10.15223\/policy-029"},{"start":{"date-parts":[[2025,10,27]],"date-time":"2025-10-27T00:00:00Z","timestamp":1761523200000},"content-version":"stm-asf","delay-in-days":0,"URL":"https:\/\/doi.org\/10.15223\/policy-037"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2025,10,27]]},"DOI":"10.1109\/tencon66050.2025.11375469","type":"proceedings-article","created":{"date-parts":[[2026,2,18]],"date-time":"2026-02-18T21:13:38Z","timestamp":1771449218000},"page":"528-532","source":"Crossref","is-referenced-by-count":0,"title":["Development of a Smart Financial Tool for Computing High-Yield Savings in Digital Banks to Advance Financial Literacy Through a Blended Agile Methodology"],"prefix":"10.1109","author":[{"given":"John Heland Jasper C.","family":"Ortega","sequence":"first","affiliation":[{"name":"College of Computer Studies &#x0026; Multimedia Arts, FEU Institute of Technology,Manila,Philippines"}],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"263","reference":[{"key":"ref1","volume-title":"FINANCIAL INCLUSION SURVEY","year":"2017"},{"key":"ref2","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbankfin.2020.106028"},{"key":"ref3","article-title":"2023 FinTech Alliance Philippines Performance Milestones - Fintech Alliance.Ph","volume-title":"Fintech Alliance.Ph","author":"AlliancePh","year":"2024"},{"key":"ref4","doi-asserted-by":"publisher","DOI":"10.1145\/3402597.3402613"},{"key":"ref5","volume-title":"Guidelines on the establishment of digital banks","year":"2020"},{"key":"ref6","article-title":"The full list of digital banks in the Philippines and their top benefits (2025) - Fintech News Philippines","volume-title":"Fintech News Philippines","year":"2025"},{"key":"ref7","doi-asserted-by":"publisher","DOI":"10.5539\/ijef.v15n6p27"},{"key":"ref8","doi-asserted-by":"publisher","DOI":"10.1016\/j.procs.2024.03.157"},{"key":"ref10","doi-asserted-by":"publisher","DOI":"10.3390\/info13050236"},{"key":"ref11","doi-asserted-by":"publisher","DOI":"10.32996\/jbms.2022.4.2.17"},{"key":"ref12","doi-asserted-by":"publisher","DOI":"10.1108\/aaouj-02-2018-0013"},{"key":"ref13","doi-asserted-by":"publisher","DOI":"10.56805\/grrbe.24.10.5.64"},{"key":"ref14","doi-asserted-by":"publisher","DOI":"10.20525\/ijfbs.v8i3.496"},{"key":"ref15","doi-asserted-by":"publisher","DOI":"10.1108\/ijse-11-2016-0303"},{"key":"ref16","doi-asserted-by":"publisher","DOI":"10.1016\/j.procs.2015.07.177"},{"key":"ref17","doi-asserted-by":"publisher","DOI":"10.1111\/ijcs.12989"},{"key":"ref18","doi-asserted-by":"publisher","DOI":"10.30534\/ijatcse\/2020\/7391.32020"},{"key":"ref19","doi-asserted-by":"publisher","DOI":"10.1111\/ijcs.12989"},{"key":"ref20","doi-asserted-by":"publisher","DOI":"10.54783\/ijsoc.v6i3.1225"},{"key":"ref21","doi-asserted-by":"publisher","DOI":"10.1109\/hnicem60674.2023.10589184"},{"key":"ref22","doi-asserted-by":"publisher","DOI":"10.1109\/tencon61640.2024.10903030"},{"key":"ref23","doi-asserted-by":"publisher","DOI":"10.1109\/hnicem60674.2023.10589051"},{"key":"ref24","doi-asserted-by":"publisher","DOI":"10.1109\/iceei52609.2021.9611136"},{"key":"ref25","doi-asserted-by":"publisher","DOI":"10.1109\/SEEDA-CECNSM57760.2022.9932994"},{"key":"ref26","doi-asserted-by":"publisher","DOI":"10.1109\/hnicem60674.2023.10589118"},{"key":"ref27","doi-asserted-by":"publisher","DOI":"10.1017\/flw.2023.8"},{"key":"ref28","doi-asserted-by":"publisher","DOI":"10.30534\/ijatcse\/2020\/7391.32020"},{"key":"ref29","doi-asserted-by":"publisher","DOI":"10.1109\/iset65607.2025.00033"},{"key":"ref30","doi-asserted-by":"publisher","DOI":"10.1109\/iset65607.2025.00037"},{"key":"ref31","doi-asserted-by":"publisher","DOI":"10.1109\/iset65607.2025.00056"}],"event":{"name":"TENCON 2025 - 2025 IEEE Region 10 Conference (TENCON)","location":"Kota Kinabalu, Malaysia","start":{"date-parts":[[2025,10,27]]},"end":{"date-parts":[[2025,10,30]]}},"container-title":["TENCON 2025 - 2025 IEEE Region 10 Conference (TENCON)"],"original-title":[],"link":[{"URL":"http:\/\/xplorestaging.ieee.org\/ielx8\/11373911\/11374914\/11375469.pdf?arnumber=11375469","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2026,2,19]],"date-time":"2026-02-19T06:57:36Z","timestamp":1771484256000},"score":1,"resource":{"primary":{"URL":"https:\/\/ieeexplore.ieee.org\/document\/11375469\/"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2025,10,27]]},"references-count":30,"URL":"https:\/\/doi.org\/10.1109\/tencon66050.2025.11375469","relation":{},"subject":[],"published":{"date-parts":[[2025,10,27]]}}}