Widjaja, Gunawan. “E-BANKING TRENDS IN INDONESIA: WHAT EVIDENCES SAY”. International Journal Of Humanities, Social Sciences And Business (INJOSS) 1, no. 3 (August 26, 2022): 167–180. Accessed March 19, 2026. https://www.injoss.socian.my.id/index.php/joss/article/view/18.