Martini, Martini, Sardiyo Sardiyo, Reza Septian, Devi Anggreni sy, and Deni Nurdiansyah. 2021. “Understanding of Financial Literacy As a Moderating Variable on the Effect of Financial Technology on Financial Inclusion in Lubuklinggau City, Indonesia”. Journal of Economics, Finance and Accounting Studies 3 (2): 140-51. https://doi.org/10.32996/jefas.2021.3.2.14.