HAMID, A. Adopsi Financial Technology dan Perubahan Model Bisnis Bank Konvensional . JOURNAL OF ECONOMICS, BUSINESS, MANAGEMENT, ACCOUNTING AND SOCIAL SCIENCES, [S. l.], v. 3, n. 5, p. 323–328, 2025. DOI: 10.63200/jebmass.v3i5.207. Disponível em: https://putrajawa.co.id/ojs/index.php/jebmass/article/view/207. Acesso em: 24 oct. 2026.