Impact Of Financial Technology’s Growth to Bank’s Performance and Efficiency at Pre Pandemic Covid-19. MBIA, [S. l.], v. 22, n. 3, p. 450–463, 2024. DOI: 10.33557/mbia.v22i3.2659. Disponível em: https://journal.binadarma.ac.id/index.php/mbia/article/view/2659. Acesso em: 2 jul. 2025.