Triyono, T., Andy Dwi Bayu Bawono, and Angling Khrisna Adhi. “Digital Transformation: Fintech Moderation on the Relationship Between Intellectual Capital, Liquidity, and Credit Risk on Financial Performance”. Riset Akuntansi Dan Keuangan Indonesia, vol. 11, no. 1, Apr. 2026, pp. 137-4, doi:10.23917/reaksi.v11i1.17040.