Utomo, Muh Fadli Wahyu, Faculty of Economics and Business, Diponegoro University, Indonesia

• EKUITAS (Jurnal Ekonomi dan Keuangan) Vol. 8 No. 1 (2024) - Artikel
  BRIDGING GAPS: ANALYZING FINTECH ADOPTION AND ITS CONTRIBUTION TO OVERCOMING SOCIAL EXCLUSION IN THE INDONESIAN FINANCIAL LANDSCAPE
  Abstract  pdf