PANDHIT, T. S. L. Dynamic Financial Inclusion in ASEAN 8: Do Macroeconomics and Financial Technology Matter?. Jurnal Ekonomi & Studi Pembangunan, [S. l.], v. 21, n. 2, p. 146–160, 2020. DOI: 10.18196/jesp.21.2.5037. Disponível em: https://journal.umy.ac.id/index.php/esp/article/view/8963. Acesso em: 1 may. 2025.