Harunurrasyid, Harunurrasyid, Gustriani Gustriani, Mardalena Mardalena, and Rahma Nida. “The Impact of Digital Transformation on Financial Inclusion: Evidence from MSMEs in Indonesia”. Jurnal Perspektif Pembiayaan dan Pembangunan Daerah 12, no. 4 (October 31, 2024): 343 - 356. Accessed January 10, 2025. https://online-journal.unja.ac.id/JES/article/view/36399.