Febriana, Widia, Komala, Rina, Anggriani, Rini, AND Rizki, Olivia. "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], Volume 11 Number 1 (16 October 2025)