Sendjaja, T., Rivai Zainal, V., Sofriana Imaningsih, E. , Christina Nawangsari, L. and Johanes Lo, S. 2012. Digital Bank Transformation: Sustainable Innovation in Financial Institutions. Journal of World Science. 1, 12 (Dec. 2012), 1118–1131. DOI:https://doi.org/10.58344/jws.v1i12.136.