KIROWATI, Dewi; ANGGRAENY, Shinta Noor; LAKEW, Tayech. Digital Banking, Fintech Payment, and Fintech Lending Influence the Financial Performance of Conventional Banking. AKRUAL: Jurnal Akuntansi, [S. l.], v. 16, n. 2, p. 284–290, 2025. DOI: 10.26740/jaj.v16n2.p284-290. Disponível em: https://journal.unesa.ac.id/index.php/aj/article/view/46821. Acesso em: 10 jan. 2026.