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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 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…