SHUKUR, N. A.; SUFIAN, F. UNPACKING THE EFFECTS OF FINANCIAL INCLUSION ON BANK EFFICIENCY: A CROSS-COUNTRY ANALYSIS OF THE ASEAN 5+1 BANKING SECTORS. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), [S. l.], v. 7, n. 25, 2025. DOI: 10.35631/AIJBES.725048. Disponível em: https://gaexcellence.com/aijbes/article/view/6135. Acesso em: 30 sep. 2025.