The study looked at financial inclusion, financial literacy, and financial technology in Indonesia. It found that many people use financial services without understanding them well. The goal was to see how these factors are connected and how they can be improved. The researchers looked at 30 journals and reports to gather information. They found that characteristics like gender, age, education, and occupation can affect how well people understand and use financial services. The study suggests that a strategy based on these characteristics is needed to improve financial inclusion in Indonesia.