Chaikal Nuryakin, Prani Sastiono, Faradina Alifia Maizar, Pyan Amin, Lili Yunita, Nanda Puspita, Moslem Afrizal, and Christine Tjen Abstract The initiative to enhance financial inclusion in Indonesia has been done through Financial Digital Service (LKD) by Bank Indonesia (BI) and Smart Act Branchless Banking Service for Financial Inclusion (Laku Pandai) by Financial Services Authority (OJK). There […]