ZUCHROH, imama; MUNIROH, M. From Banks to Apps: How Fintech Lending is Reshaping Financial Institutions. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 4, n. 3, p. 7240–7248, 2025. DOI: 10.31004/riggs.v4i3.3057. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/3057. Acesso em: 26 apr. 2026.