Suandi, E. ., H. Herri, Y. Yulihasri, and S. Syafrizal. “ETHICAL, INNOVATIVE, AND MOBLE : SHARIA BANKS AND FACTORS AFFECTING IST COMPETITIVE ADVANTAGE”. Jurnal Ipteks Terapan, vol. 16, no. 1, Mar. 2022, pp. 51-62, doi:10.22216/jit.v%vi%i.615.