Sinaga H, Windijarto W, Halawa F, Mbate C. UNDERSTANDING THE FACTORS OF FINANCIAL INNOVATION IN INDUSTRIAL REVOLUTION 4.0 ERA. mea [Internet]. 20May2023 [cited 30Jan.2025];7(2):208-24. Available from: https://journal.stiemb.ac.id/index.php/mea/article/view/2986