Kesuma, S. A., Saidin, S. Z. and Ahmi, A. (2016) “IT Sophistication: Implementation on State Owned Banks in Indonesia”, International Review of Management and Marketing, 6(8S), pp. 234–239. Available at: https://econjournals.com/index.php/irmm/article/view/3945 (Accessed: 22 November 2024).