“Determinants of Banking Return on Assets in Indonesia: An Analysis of Aggregate Fintech Expansion, Electronic Transaction Intensity, and Non-Performing Asset Ratio”, EBSci, vol. 1, no. 1, Okt 2026, Diakses: Okt 27, 2026. Tersedia pada: https://ebsci.org/ojs/index.php/home/article/view/6