[1]
R. U. Al Hashfi, A. S. Zusryn, N. L. Khoirunnisa, and A. R. F. A. Listyowati, “ONLINE PAYMENT: INDIVIDUAL CHARACTERISTICS AND DIGITAL FINANCIAL INCLUSION IN OIC COUNTRIES”, JIMF, vol. 6, no. 4, pp. 767–788, Sep. 2020, doi: 10.21098/jimf.v6i4.1148.