Sendjaja, Theodorus, Veithzal Rivai Zainal, Erna Sofriana Imaningsih, Lenny Christina Nawangsari, and Singmin Johanes Lo. 2012. “Digital Bank Transformation: Sustainable Innovation in Financial Institutions”. Journal of World Science 1 (12):1118-31. https://doi.org/10.58344/jws.v1i12.136.