Bachri, Muthia Hanan, and Irwan Adi Ekaputra. “The Impact of Digital Payment on Banking Stability”. Eduvest - Journal of Universal Studies 4, no. 9 (September 20, 2024): 8418–8429. Accessed July 5, 2025. http://www.eduvest.greenvest.co.id.submitjurnal.id/index.php/edv/article/view/30329.