Does Access to Digital Financial Services Increase Consumption in Indonesia?. Efficient: Indonesian Journal of Development Economics, [S. l.], v. 7, n. 3, p. 205–219, 2024. DOI: 10.15294/efficient.v7i3.8065. Disponível em: https://journal.unnes.ac.id/journals/efficient/article/view/8065. Acesso em: 6 feb. 2026.