A Hybrid Fuzzy Soft Set–CRITIC–TOPSIS Framework for Selecting Optimal Digital Financial Services in Indonesia. - Carnia, Ema; Anggriani, Nursanti; Sylviani, Sisilia; Sukono; Supriatna, Asep Kuswandi; Zamri, Nurnadiah; Lestari, Mugi; HS, Audrey Ariij Sya'imaa (Mathematics (2227-7390), 2026)