Ceta Indra Lesmana, and Lestari Budianto. “The Role Of Financial Technology In Increasing Islamic Financial Inclusion: Analysis Of Potential And Challenges”. al-Afkar, Journal For Islamic Studies 7, no. 1 (January 23, 2024): 882–893. Accessed February 4, 2025. https://mail.al-afkar.com/index.php/Afkar_Journal/article/view/898.