Sendjaja, T., V. Rivai Zainal, E. . Sofriana Imaningsih, L. . Christina Nawangsari, and S. . Johanes Lo. “Digital Bank Transformation: Sustainable Innovation in Financial Institutions”. Journal of World Science, vol. 1, no. 12, Dec. 2012, pp. 1118-31, doi:10.58344/jws.v1i12.136.