“THE INFLUENCE OF FINANCIAL TECHNOLOGY ON BUMN BANKING PROFITABILITY 2014-2019 PERIOD” (2022) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi), 9(3), pp. 1426–1439. doi:10.35794/jmbi.v9i3.44105.