Nurmala, Cipi, and Yoestini Yoestini. “Digital Financial Transformation, Financial Inclusion, and Sustainable Economic Development”. Finance Innovations Digest 2, no. 2 (December 30, 2024): 104–115. Accessed July 27, 2026. http://www.journal.lifescifi.com/index.php/fid/article/view/1282.