Kholidah H, Evita Nur Haliza, Norzahidah Binti Yacob, Mochammad Nurul, Muhammad Raisa Haqqiquddin Rokhmatulloh, Hanifiyah Yuliatul Hijriah, Hanif Fadhlillah. Efficiency, Risk, and Fintech as Indonesian Bank Profitability Drivers. reaksi [Internet]. 2026 Sep. 30 [cited 2026 Oct. 9];11(2). Available from: https://journals2.ums.ac.id/reaksi/article/view/18987