1.
Adifan M, Ashari DRW, Wakhidah RR. As a strategic move, Payment System Transformation in Indonesian Banks: A Literature Review on Its Impact on Financial Efficiency and Inclusion. ESPAS [Internet]. 31Aug.2025 [cited 4May2026];2(1):1-5. Available from: https://ojs.unublitar.ac.id/index.php/espas/article/view/1825