Noor, M. ., F. Fourqoniah, and M. F. Aransyah. “The Investigation of Financial Inclusions, Financial Literation, and Financial Technology in Indonesia”. Jurnal Perspektif Pembiayaan Dan Pembangunan Daerah, vol. 8, no. 3, Aug. 2020, pp. 257 -68, doi:10.22437/ppd.v8i3.9942.