Digital Payments and Financial Inclusion in Indonesia: Evidence from 2020–2025. International Journal of Economic and Business Research, [S. l.], v. 1, n. 2, p. 162–172, 2026. DOI: 10.65310/a2jx9867. Disponível em: https://researchfrontiers.id/profixa/article/view/295. Acesso em: 29 oct. 2026.