SARWO EDI, Y. . PROFILE OF DISRUPTION IN THE LANDSCAPE OF THE INDONESIAN BANKING INDUSTRY. Scientium Management Review, Jakarta, ID., v. 1, n. 3, p. 223–234, 2022. DOI: 10.56282/smr.v1i3.183. Disponível em: https://scientium.co.id/journals/index.php/smr/article/view/183. Acesso em: 29 jul. 2025.