amal, Muhammad ahsanul, Noor Ali Fahmi, An’nissa Miftahusnika Islami Muhsin, Baiq Reka Yustika, and Usman Shabur. “Impact of Financial Technology Firms on Banking Performance: Insights from Indonesia”. Journal of Economics, Bussiness and Management Issues 1, no. 2 (March 31, 2024): 86–93. Accessed April 25, 2025. https://economics.pubmedia.id/index.php/jebmi/article/view/168.