Ardhianto, Muhammad, Farhan Lucky, Achmad Azzamroni Athaillah, Aiira Nazhan Dzar Al-Giffari, Satrio Bagus Sasmito, and Diki Putra Setianto. “Peran Fintech Dalam Mendorong Inklusi Keuangan Masyarakat Unbanked Di Negara Berkembang”. RIGGS: Journal of Artificial Intelligence and Digital Business 5, no. 2 (July 8, 2026): 13458–13465. Accessed September 30, 2026. https://journal.ilmudata.co.id/index.php/RIGGS/article/view/9553.