Febriana, Widia, Rina Komala, Rini Anggriani, and Olivia Sonata Rizki. 2025. “FINTECH AND FINANCIAL INCLUSION FINTECH AND FINANCIAL INCLUSION: OPPORTUNITIES AND CHALLENGES IN THE DIGITAL ECONOMY: OPPORTUNITIES AND CHALLENGES IN THE DIGITAL ECONOMY”. Proceedings of the International Conference of Islamic Economics and Business (ICONIES) 11 (1), 1391-98. https://conferences.uin-malang.ac.id/index.php/iconies/article/view/3449.