?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.aulast=Maharani&rft.au=Maharani%2C+Novita+Kusuma&rft.aufirst=Novita+Kusuma&rft.issn=2461-0771&rft.atitle=Disruption+or+Catalyst%3F+Foreign+Banks'+Impact+on+Competition+in+Indonesia's+Islamic-Conventional+Banking+Ecosystem&rft.title=Disruption+or+Catalyst%3F+Foreign+Banks'+Impact+on+Competition+in+Indonesia's+Islamic-Conventional+Banking+Ecosystem&rft.genre=article