Shukur, N. A., S. Affandi, and F. Sufian. “FINANCIAL INCLUSION AND BANK EFFICIENCY IN THAILAND: EVIDENCE FROM A TWO-STAGE DEA APPROACH”. ADVANCED INTERNATIONAL JOURNAL OF BUSINESS, ENTREPRENEURSHIP AND SME’S (AIJBES), vol. 8, no. 29, Sept. 2026, pp. 2329-51, doi:10.35631/AIJBES.829134.