I Gusti Agung Ayu Dianintha Andari dan Santi Novani (2024) “DEVELOPING DIGITAL BANKING PLATFORM STRATEGIES FOR FUTURE CHALLENGES USING SCENARIO PLANNING”, JPIM (Jurnal Penelitian Ilmu Manajemen), 9(3), hlm. 443–462. Tersedia pada: https://jurnalekonomi.unisla.ac.id/index.php/jpim/article/view/2426 (Diakses: 24 Juni 2026).