Nasution, Eric J. “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, no. 1 (Mei 31, 2020): 1-14. Diakses November 22, 2024. https://jurnal.unai.edu/index.php/jtimb/article/view/2301.