Siti Sara Ibrahim

Determinants of financial inclusion in Indonesia: an empirical evidence from global findex data

Financial inclusion is an important component of broad-based financial participation, yet access remains uneven across socioeconomic and demographic groups in Indonesia. This study examines the factors associated with financial inclusion and its barriers using the 2021 Global Fin...

Bridging the gap between Information Technology ethics education and information privacy practices among computer professionals

Abstract As developing digital economies expand, ensuring information privacy relies heavily on the ethical judgment of information technology professionals. This study empirically evaluates a higher-order measurement framework of privacy self-regulatory efficacy to identify crit...