WAHYUDI, W.; TRISTIARTO, Y. ANALYSIS OF DETERMINANTS FOR DETERMINING FINANCIAL INNOVATION AND ITS IMPACT ON BANKING FINANCIAL PERFORMANCE. Journal of Management and Leadership, [S. l.], v. 3, n. 1, p. 1–14, 2020. Disponível em: https://jurnal.tau.ac.id/index.php/jml/article/view/81. Acesso em: 17 jun. 2025.