Ghufran Yusuf, Abdul Rahman Kadir, Muhammad Sobarsyah. SMART DIGITALIZATION: HOW BANK SULSELBAR TURNS THE PERCEPTION OF CONVENIENCE INTO AN ACTIVE INTEREST OF CREDIT CUSTOMERS. apaji [Internet]. 2023Jan.31 [cited 2026Oct.6];5(1):106-11. Available from: https://ojsapaji.org/index.php/apaji/article/view/177