Maulana, Aviandi Okta, and Abeer Abdullah Zaylaie. “Beyond System Use: Evaluating Core Banking System Utilization in Indonesian Islamic Rural Banks”. Riset Akuntansi dan Keuangan Indonesia 11, no. 2 (September 30, 2026). Accessed October 8, 2026. https://journals2.ums.ac.id/reaksi/article/view/19350.