Malik Ibrahim, et al. “Digital Banks and Youth Financial Inclusion in Indonesia: Access, Literacy, Trust, and the Gap Between Account Ownership and Financial Participation”. ISNU Nine-Star Multidisciplinary Journal, vol. 3, no. 2, Sept. 2026, pp. 164-79, https://journal.isnu-sumut.org/index.php/ins9mj/article/view/1928.