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JHP Journal Editor’s NoteCecep Mustafa I. A New Financial Dawn Indonesia’s digital revolution didn’t arrive with a fanfare—it crept quietly…

By Cecep MustafaJHP Journal Editor’s Note Indonesia was promised a financial awakening. When Fintech arrived, it came draped in utopian language—democratization,…

JHP Journal Editor’s NoteCecep Mustafa In the COVID-19 era, we witnessed one of the great paradoxes of our time. The…

JHP Journal Editor’s NoteCecep Mustafa In our modern world, few things feel as magical as a few taps on a…

JHP Journal Editor’s NoteCecep Mustafa 1. Indonesia’s Quiet Revolution Indonesia is witnessing a quiet revolution unfolding not in parliament halls…

JHP Journal Editor’s NoteCecep Mustafa Indonesia’s Fintech revolution has opened unprecedented access to credit and investment, expanding financial inclusion through…

JHP Journal Editor’s NoteCecep Mustafa Ah, fintech — that glittering symbol of progress, the darling of digital optimism. We’ve been…