Narayan, Seema. “DOES FINTECH MATTER FOR INDONESIA’S ECONOMIC GROWTH?”. Buletin Ekonomi Moneter dan Perbankan 22, no. 4 (December 19, 2019): 437 - 456. Accessed July 17, 2024. https://bmeb-bi.org/index.php/BEMP/article/view/1237.