JOHAN, S. Enhanced Financial Business Competitiveness by Leveraging Technology and Innovation. CommIT (Communication and Information Technology) Journal, [S. l.], v. 15, n. 2, p. 79-89, 2021. DOI: 10.21512/commit.v15i2.6968. Disponível em: https://journal.binus.ac.id/index.php/commit/article/view/6968. Acesso em: 19 apr. 2025.