Idris, Hariany. “Understanding Financial Inclusion Through Fintech: A Qualitative Inquiry into the Role of Technology in Shaping Financial Landscapes”. Golden Ratio of Finance Management 5, no. 1 (March 31, 2025): 260–269. Accessed August 8, 2026. https://www.goldenratio.id/index.php/grfm/article/view/1235.