Rofi'i, Yulianto Umar. “Financial Risk Management in Indonesian Banking: The Integrative Role of Data Analytics and Predictive Algorithms”. International Journal Software Engineering and Computer Science (IJSECS) 3, no. 3 (December 10, 2023): 300–309. Accessed June 2, 2026. https://journal.lembagakita.com/ijsecs/article/view/1823.