Teknologi dan Resiko Operasional: Antisipasi Ancaman di Era Inovasi Digital

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[2] https://jurnal.unimed.ac.id/2012/index.php/plans/article/viewFile/52205/22557

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[4] https://masoemuniversity.ac.id/berita/inovasi-dan-disrupsi-tantangan-dan-peluang-dalam-bisnis-digital.php

[5] https://www.kominfo.go.id/content/detail/39858/literasi-digital-masyarakat-indonesia-membaik/0/artikel