“Dampak Inovasi Finansial Teknologi (Fintech) Terhadap Model Bisnis Perbankan Dan Keuangan Tradisional”. Management Studies and Entrepreneurship Journal (MSEJ), vol. 5, no. 1, Nov. 2024, pp. 1020-5, https://doi.org/10.37385/msej.v5i1.3762.