PERTIWI, R. R. Evolving Service Innovation for The Late-mover Industry: The Case of Islamic Banking. Journal of Business Management and Islamic Banking, [S. l.], v. 2, n. 1, p. 065–076, 2023. DOI: 10.14421/jbmib.2023.0201-05. Disponível em: https://ejournal.uin-suka.ac.id/febi/JBMIB/article/view/1852. Acesso em: 6 dec. 2025.