Hello, my name is Budi Setiawan and I am a student at MATE University, Hungary while also serving as a junior lecturer at Universitas Indo Global Mandiri in Indonesia. I am presently engaged in Fintech research in collaboration with colleagues from several countries. Currently, we are seeking a co-author to join us in preparing a collaborative paper. Our requirement is for an individual who can assist us in obtaining data from respondents in Jakarta, as we have already collected about 280 respondents and still require 150 more from Jakarta. If you or any of your colleagues are interested in collaborating with us, we would be happy to discuss the matter further. Thank you for your attention 🙏