Lumbantobing, Citra Biola, and Mirwan Surya Perdhana. “Evolving Marketing Strategies of BRI: Digital Transformation Insights (2014-2024)”. Arthatama: Journal of Business Management and Accounting 9, no. 1 (June 6, 2025): 113–122. Accessed May 22, 2026. http://www.journal.lifescifi.com/index.php/art/article/view/652.