Putranto, Muhammad Rafli Reyhan Dwi, Muhammad Rayhan Budiman, and Sentot Imam Wahjono. 2025. “Peran Financial Technology (Fintek) Dalam Mendorong Inklusi Keuangan Dan Pertumbuhan Ekonomi Di Era Digital”. Journal of Innovative and Creativity 5 (2):720-31. https://doi.org/10.31004/joecy.v5i2.244.