Asrini, S., D. Sakuntala, and L. Nasution. “Analysis of Big Data-Based Financial Technology and AI on Financial Inclusion in Indonesia”. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, Vol. 14, no. 4, Oct. 2026, pp. 5837-50, doi:10.37676/ekombis.v14i4.11208.