1. United Nations, Igniting SDG Progress Through Digital Financial Inclusion, .
2. Organisation for Economic Co-operation and Development, Digital Transformation in the Age of COVID-19: Building Resillience and Bridging Divides, .
3. T. Adrian and T. M. Griffoli, International Monetary Fund, 2019(1), 1–15 (2019).
4. H. M. Khalaf, Academy of Entrepreneurship Journal, 24(3), 1528-2686-24-3-156 (2018).
5. Bank Indonesia, Electronification, .