Rahmayani, F. A. ., Thantawi, T. R. . and Anwar, M. (2023) “EMPIRICAL ANALYSIS USE OF INTERNET BANKING AND MOBILE PHONE BANKING IN SHARIA BANK AND SAVINGS AND LOAN COOPERATIVES AND SHARIA FINANCING (KSPPS) DURING THE COVID-19 PANDEMIC”, SAHID BANKING JOURNAL, 3(01), pp. 1–11. doi: 10.56406/sahidbankingjournal.v3i01.115.