Budiman, Aris, and Wisnu Mawardi. “The Impact of Internet Banking Adoption on Banking Performance During the Covid-19 Pandemic”. The International Journal of Social Sciences World (TIJOSSW), vol. 7, no. 1, May 2025, pp. 232-47, https://www.growingscholar.org/journal/index.php/TIJOSSW/article/view/522.