1.
Loo P. The Mediating Effects of Governance, Financial Literacy, and Technological Innovation on Digital Finance in North Sumatra’s Rural Banks. JIMKES [Internet]. 2025 Nov. 30 [cited 2026 Jun. 4];13(6):5219-30. Available from: https://jurnal.ibik.ac.id/index.php/jimkes/article/view/4259