Riandi, Muhammad Hafiz, Raditha Hapsari, Ananda Sabil Hussein, Kardina Yudha Parwati, and Muhammad Dimar Alam. “Analysing the Effect of Social and Technological Causes on Bank 4.0 Adoption in Indonesia”. Jurnal Ilmiah Manajemen Kesatuan 12, no. 5 (September 17, 2024): 1969–1976. Accessed June 25, 2026. https://jurnal.ibik.ac.id/index.php/jimkes/article/view/2875.