SHUKUR, N. A.; RAHIM, N. H. A.; SHARIFF , S. S. M.; AHMAD, M.; MOHAMAD, M.; SUFIAN, F. FINANCIAL INCLUSION AND BANK EFFICIENCY IN THE ASEAN 5+1 REGION: ACCESS, USAGE AND ECONOMIC PARTICIPATION . ADVANCED INTERNATIONAL JOURNAL OF BANKING, ACCOUNTING AND FINANCE (AIJBAF), [S. l.], v. 8, n. 25, p. 80–101, 2026. DOI: 10.35631/AIJBAF.825006. Disponível em: https://gaexcellence.com/index.php/aijbaf/article/view/8605. Acesso em: 2 nov. 2026.