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Kurniasari, Florentina and Adyni, Neskia (2021) PENGARUH LITERASI DAN EFIKASI DIRI TERHADAP INKLUSI KEUANGAN PADA PENGGUNAAN LAYANAN PEMBAYARAN DIGITAL SHOPEE PAY DI JABODETABEK [THE EFFECT OF LITERATION AND SELF-EFFICIENCY TOWARDS FINANCIAL INCLUSION ON THE USE OF SHOPEE PAY DIGITAL PAYMENT SERVICES IN JABODETABEK]. Derema Jurnal Manajemen, 16 (1). ISSN 2476-955X