Kennedy, Posma Sariguna Johnson, dan Alvani Amaerita Harefa. “THE FINANCIAL TECHNOLOGY, REGULATION AND BANKING ADAPTATION IN INDONESIA”. Fundamental Management Journal 3, no. 1 (Juni 18, 2018): 1 - 11. Diakses Juli 23, 2024. http://ejournal.uki.ac.id/index.php/jm/article/view/715.