WIDIASMARA, Anny; RETNOWATI, Wulan; ALVAREZ, Joel I.; DE GUZMAN, Eduardo K. The Financial Technology Investment: A Comparative Analysis of Profitability and Performance in Indonesian State-Owned and Sharia Banks . AKRUAL: Jurnal Akuntansi, [S. l.], v. 16, n. 1, p. 15–24, 2024. DOI: 10.26740/jaj.v16n1.p15-24. Disponível em: https://journal.unesa.ac.id/index.php/aj/article/view/31125. Acesso em: 5 jul. 2025.