Sapulette, Militcyano, Nury Effendi, and Teguh Santoso. 2021. “FINTECH, BANKS, AND THE COVID-19 PANDEMIC: EVIDENCE FROM INDONESIA”. Buletin Ekonomi Moneter Dan Perbankan 24 (4), 559-88. https://doi.org/10.21098/bemp.v24i4.1470.