Bank Indonesia. (2023). Annual Report 2022. Jakarta: Bank Indonesia.
   Financial Services Authority (OJK). (2023). Financial Inclusion Report. Jakarta: OJK.
   Allen, F., Demirgüç-Kunt, A., Klapper, L., & Martinez Peria, M. S. (2016). The foundations of financial inclusion: Understanding ownership and use of formal accounts. Journal of Financial Intermediation, 27, 1-30.
  Demirgüç-Kunt, A., & Levine, R. (2009). Finance and inequality: Theory and evidence. Annual Review of Financial Economics, 1(1), 287-318.
  World Bank. (2022). Global Financial Inclusion (Global Findex) Database. Washington, D.C.: World Bank.