Ghufran Yusuf, Abdul Rahman Kadir and Muhammad Sobarsyah (2023) “SMART DIGITALIZATION: HOW BANK SULSELBAR TURNS THE PERCEPTION OF CONVENIENCE INTO AN ACTIVE INTEREST OF CREDIT CUSTOMERS”, Accounting Profession Journal (APAJI), 5(1), pp. 106-111. doi: 10.35593/apaji.v5i1.177.