@article{Al Hashfi_Zusryn_Khoirunnisa_Listyowati_2020, title={ONLINE PAYMENT: INDIVIDUAL CHARACTERISTICS AND DIGITAL FINANCIAL INCLUSION IN OIC COUNTRIES}, volume={6}, url={http://jimf-bi.org/index.php/JIMF/article/view/1148}, DOI={10.21098/jimf.v6i4.1148}, number={4}, journal={Journal of Islamic Monetary Economics and Finance}, author={Al Hashfi, Rizqi and Zusryn, Alyta and Khoirunnisa, Novi and Listyowati, Ammelia}, year={2020}, month={Sep.}, pages={767 - 788}