Sihotang, Daniel Janrian, Elvin Kamaludi, and Farida Indriani. “The Role of Digital Banking and Fintech in Advancing Financial Inclusion”. Economic and Business Horizon 4, no. 2 (May 31, 2025): 341–352. Accessed April 27, 2026. https://journal.lifescifi.com/index.php/ebh/article/view/678.