Adam, L.;                     Sarana, J.;                     Suyatno, B.;                     Soekarni, M.;                     Suryanto, J.;                     Ermawati, T.;                     Saptia, Y.;                     Adityawati, S.;                     Mychelisda, E.;                     Pamungkas, Y.;     
    et al.    Driving Financial Inclusion in Indonesia with Innovative Credit Scoring. J. Risk Financial Manag. 2025, 18, 442.
    https://doi.org/10.3390/jrfm18080442
    AMA Style
    
                                Adam L,                                 Sarana J,                                 Suyatno B,                                 Soekarni M,                                 Suryanto J,                                 Ermawati T,                                 Saptia Y,                                 Adityawati S,                                 Mychelisda E,                                 Pamungkas Y,         
        et al.        Driving Financial Inclusion in Indonesia with Innovative Credit Scoring. Journal of Risk and Financial Management. 2025; 18(8):442.
        https://doi.org/10.3390/jrfm18080442
    
    Chicago/Turabian Style
    
                                Adam, Latif,                                 Jiwa Sarana,                                 Bitra Suyatno,                                 Muhammad Soekarni,                                 Joko Suryanto,                                 Tuti Ermawati,                                 Yeni Saptia,                                 Septian Adityawati,                                 Erla Mychelisda,                                 Yogi Pamungkas,         
         and et al.        2025. "Driving Financial Inclusion in Indonesia with Innovative Credit Scoring" Journal of Risk and Financial Management 18, no. 8: 442.
        https://doi.org/10.3390/jrfm18080442
    
    APA Style
    
                                Adam, L.,                                 Sarana, J.,                                 Suyatno, B.,                                 Soekarni, M.,                                 Suryanto, J.,                                 Ermawati, T.,                                 Saptia, Y.,                                 Adityawati, S.,                                 Mychelisda, E.,                                 Pamungkas, Y.,                                 Abdillah, M. R. N.,                                 Angelia, L.,                                 & Thoha, M.        
        
        (2025). Driving Financial Inclusion in Indonesia with Innovative Credit Scoring. Journal of Risk and Financial Management, 18(8), 442.
        https://doi.org/10.3390/jrfm18080442