Tiaraputra, Variandy, Fadhil Wicaksono, and Susilo Toto Rahardjo. “Digital Finance and Sustainable Development of Indonesian Banks”. Arthatama: Journal of Business Management and Accounting 9, no. 2 (June 6, 2025): 294–307. Accessed May 15, 2026. https://journal.lifescifi.com/index.php/art/article/view/702.