Subanidja, Steph, Fangky Antoneus Sorongan, and Mercurius Broto Legowo. “Leveraging Financial Technology Entity into Sustainable Bank Performance through a Competitive Advantage”. Emerging Science Journal 6, no. 1 (February 1, 2022): 53–63. Accessed June 7, 2025. https://www.ijournalse.org/index.php/ESJ/article/view/777.