FATMAWATI, F.; ROHMAN, A. Transformasi Digital di Belitung: Bagaimana Mobile Banking Merubah Cara PNSD Bertransaksi. Owner : Riset dan Jurnal Akuntansi, [S. l.], v. 9, n. 1, p. 179-190, 2025. DOI: 10.33395/owner.v9i1.2611. Disponível em: https://owner.polgan.ac.id/index.php/owner/article/view/2611. Acesso em: 17 may. 2026.