Grasiano Tobias Mello, and Zairin Noor. “Peran Dan Fungsi Perbankan Dalam Melayani Nasabah Di Era Transformasi Digital”. Hukum dan Demokrasi (HD) 25, no. 2 (June 20, 2026): 91 –. Accessed October 27, 2026. https://journal.stih-pgl.ac.id/ojs-stih/index.php/jhd/article/view/94.