Yasrizal, Y., Mahdani, S., Mahrizal, M., & Arimi, S. (2025). An Integrative Model of Digital Financial Inclusion in Indonesia: The Role of Financial Literacy, Fintech Adoption, and The Use of Open Finance. Jurnal Ilmiah Teunuleh , 6(2), 195-206. https://doi.org/10.51612/teunuleh.v6i2.210