Nasution, Eric J. 2020. “PSEUDO-CAML PERFORMANCE OF THE ASEAN-5’S INNOVATIVE BANKING USING THE PARALLELISM OF MARX, SCHUMPETER, AND CHRISTENSEN INNOVATION CONCEPTS”. Jurnal Terapan Ilmu Manajemen Dan Bisnis 3 (1):1-14. https://jurnal.unai.edu/index.php/jtimb/article/view/2301.