HARI SATRIYONO. Pengaruh Lingkungan Makro terhadap Transformasi Industri Perbankan di Indonesia : Tinjauan Konseptual PESTEL. JURNAL ILMIAH EDUNOMIKA, [S. l.], v. 10, n. 2, 2026. DOI: 10.29040/jie.v10i2.19567. Disponível em: https://jurnal.stie-aas.ac.id/index.php/jie/article/view/19567. Acesso em: 1 may. 2026.