Rolando, B., H. Mulyono, R. Hartanti, and A. I. Ingriana. “Exploring The Theory Of Financial Innovation In The Context Of Industry 4.0”. Management, Economics, Trade, and Accounting Journal (META-JOURNAL), vol. 1, no. 4, May 2024, pp. 147-58, https://abadiinstitute.org/index.php/META/article/view/269.