“BRANCHLESS BANKING : KEUANNGAN INKLUSIF, PROFITABILITAS DAN MODEL BISNIS BERKELANJUTAN”. Journal of Applied Management Studies 7, no. 1 (December 29, 2025): 98–109. Accessed April 30, 2026. http://jamss.untrimbali.ac.id/index.php/JAMSS/article/view/70.