SIHOTANG, Desi Ester Idawati; PANJAITAN, Herlina Theresa; PAKPAHAN, Safriani Romasta; SIAHAAN, Nova Yunita Sari. Dampak Inovasi Digital Terhadap Perilaku Penggunaan Layanan Perbankan. Innovative: Journal Of Social Science Research, [S. l.], v. 3, n. 3, p. 8758–8763, 2023. Disponível em: https://j-innovative.org/index.php/Innovative/article/view/3178. Acesso em: 2 jul. 2026.