1.
Tedhi Irawan, Che Ruhana Isa, Ervina Alfan. The Impact of Digital Banking Adoption, Risk Management and Balanced Scorecard on Indonesian Banking Performance – A Conceptual Paper . AJAP [Internet]. 2023 Dec. 31 [cited 2025 Apr. 5];16(1):97-115. Available from: https://jummec.um.edu.my/index.php/AJAP/article/view/49094