Maia, Fonseca de Jesus, Maria Yovia R Pandin, and Amiartuti Kusmaningtyas. “The Transformation of Timor Leste’s Financial System: From a Cash Based Economy to Digital Financial Inclusion”. Jurnal Multidisiplin Sahombu 5, no. 04 (June 30, 2025): 871–877. Accessed July 6, 2026. https://ejournal.seaninstitute.or.id/index.php/JMS/article/view/6911.