Andriyani, N., A. N. Salam, S. Aisyah, and H. Nugraha. “Sociodemography Effect on Digital Financial Inclusion in Indonesia: Evidence from the World Bank’s Global Findex”. Journal of Economics Research and Policy Studies, vol. 5, no. 3, Nov. 2025, pp. 615-2, doi:10.53088/jerps.v5i3.2013.