SENDJAJA, T.; RIVAI ZAINAL, V.; SOFRIANA IMANINGSIH, E. .; CHRISTINA NAWANGSARI, L. .; JOHANES LO, S. . Digital Bank Transformation: Sustainable Innovation in Financial Institutions. Journal of World Science, [S. l.], v. 1, n. 12, p. 1118–1131, 2012. DOI: 10.58344/jws.v1i12.136. Disponível em: https://jws.rivierapublishing.id/index.php/jws/article/view/136. Acesso em: 24 jun. 2026.