Ardhianto, M. et al. 2026. Peran Fintech dalam Mendorong Inklusi Keuangan Masyarakat Unbanked di Negara Berkembang. RIGGS: Journal of Artificial Intelligence and Digital Business. 5, 2 (Jul. 2026), 13458–13465. DOI:https://doi.org/10.31004/riggs.v5i2.9553.