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financial services reach and inclusion for the large unbanked population in Indonesia. Fintech adoption optimization expands the … indirectly affecting the adoption of Fintech in Indonesia, while user attitude found the most important factor towards Fintech …
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in the region of West Borneo, Indonesia. The findings of this study demonstrate the pivotal role of techno …
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from 145 service enterprises in Pontianak, West Kalimantan, Indonesia, as our samples for testing the proposed research …
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