What question did this study set out to answer?

The aim was to create a framework combining fuzzy soft sets, CRITIC, and TOPSIS for selecting digital financial services.

March 28, 2026MathematicsOpen Access

A Hybrid Fuzzy Soft Set–CRITIC–TOPSIS Framework for Selecting Optimal Digital Financial Services in Indonesia

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Proposed hybrid framework ranks optimal digital financial services in Indonesia, indicating effective assessment methods for decision-making.

The aim was to create a framework combining fuzzy soft sets, CRITIC, and TOPSIS for selecting digital financial services.
Developed a hybrid FSS–CRITIC–TOPSIS framework for evaluation.
Utilized fuzzy soft sets to model uncertainty in assessments.
Applied the CRITIC method for objective weighting of criteria.
Ranked alternatives using the TOPSIS method based on closeness to ideal solutions.
Conducted sensitivity analysis to assess robustness in rankings.
Identified DANA as the optimal digital wallet alternative with a score of 0.9282.
Demonstrated near-perfect ranking correlation (ρ = 0.9−1) when compared with other methods.
Showed a proportional score distribution that reflects actual market conditions.
Confirmed robustness with consistent ranking changes under weight variations.

Carnia et al. (2026) studied this question.

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Proposed hybrid framework ranks optimal digital financial services in Indonesia, indicating effective assessment methods for decision-making.