?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.au=Ummu+Salma+AL+Azizah%2C+Ummu&rft.aufirst=Ummu&rft.aulast=Ummu+Salma+AL+Azizah&rft.atitle=The+effect+of+digital+banking+innovation+on+the+performance+of+conventional+commercial+banks+in+Indonesia&rft.title=The+effect+of+digital+banking+innovation+on+the+performance+of+conventional+commercial+banks+in+Indonesia&rft.genre=article