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Febriana, Widia, Rina Komala, Rini Anggriani, & Olivia Sonata Rizki. "FINTECH AND FINANCIAL INCLUSION FINTECH AND FINANCIAL INCLUSION: OPPORTUNITIES AND CHALLENGES IN THE DIGITAL ECONOMY." Proceedings of the International Conference of Islamic Economics and Business (ICONIES) [Online], 11.1 (2025): 1391-1398. Web. 15 May. 2026