Putra, Fariz Hutama, Djoko Suhardjanto, Irwan Trinugroho, and Taufiq Arifin. “Overcoming Barriers to Inclusion: The Role of Financial Literacy and Digital Divide in Expanding Financial Access in Indonesia”. Journal of Ecohumanism 3, no. 8 (December 29, 2024): 9956 –. Accessed January 22, 2025. https://ecohumanism.co.uk/joe/ecohumanism/article/view/5608.