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