Muhammad Irfan, Rudi Sanjaya, Raehan Ali, Muhammad Inayatulla, Egie Fahrizal, and Aditya Pratama, “Tantangan Etika Di Era Digital Banking Dan Financial Technology: Implikasi Terhadap Kepercayaan Nasabah Dan Keberlanjutan Industri Perbankan”, JUMBIDTER, vol. 3, no. 3, pp. 48–56, Jul. 2026.