Hendri, Loni, and sari Utami Fattah. “DIGITALIZING ISLAMIC BANKS: LEARNING FROM BANK SYARIAH MANDIRI”. Islamic Banking and Finance 2, no. 1 (January 1, 2023): 229–239. Accessed June 28, 2026. https://ejournal.iain-bone.ac.id/index.php/ibf/article/view/3789.