Hasnah Aziz, La Ilman, M. Umar Kelibia, Ide Raunas, and Harmoko. “Fintech and Financial Inclusion: Legal Opportunities and Barriers”. Asia Pacific Journal of Business Economics and Technology, Vol. 6, no. 02, Apr. 2026, pp. 74-81, doi:10.98765/apjbet.v6i02.328.