Satoto, Eko Budi, Nurul Qomariah, and Aprilya Dwi Yandari. “Financial Inclusion, Stability, and Governance in the Era of Digital Currencies”. Moneta : Journal of Economics and Finance 3, no. 4 (October 6, 2025): 251–266. Accessed November 7, 2025. https://journal.idscipub.com/index.php/moneta/article/view/929.