Annisa Fitriah Mudassir, and Muhammad Khaidir Kahfi Natsir. “Digital Innovation in the Transformation of BPR: Building a Sustainable Financial Ecosystem in the Era of Disruption”. Jurnal Informasi dan Teknologi (June 10, 2025): 146-151. Accessed January 11, 2026. https://jidt.org/jidt/article/view/678.