NASUTION, E. J. Innovative Banking Challenges in ASEAN-5 Countries and Their Effects on Cost-Income Reduction. Human Behavior, Development and Society, [S. l.], v. 22, n. 3, p. 8–19, 2021. Disponível em: https://so01.tci-thaijo.org/index.php/hbds/article/view/248412. Acesso em: 21 sep. 2026.