Nova Amanda Putri, Zuwina Miraza, & Ani Murwani Muhar. (2026). THE INFLUENCE OF DIGITAL FINANCIAL LITERACY AND SOCIAL NETWORKS ON FINANCIAL INCLUSION : AGE-GENDER MODERATION IN CULINARY MSES. Journal of Accounting Research, Utility Finance and Digital Assets, 5(3), 2413–2421. Retrieved from https://jaruda.id/index.php/go/article/view/476