PUTRI, A. D.; MASKUR, A. Memperkuat Loyalitas Nasabah dalam Era Hybrid Banking: Peran Human Touch, Suku Bunga Simpanan dan Digital Experience pada Bank BNI Kantor Cabang Semarang. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, [S. l.], v. 7, n. 10, p. 6095–6110, 2026. DOI: 10.47467/elmal.v7i10.13245. Disponível em: https://journal-laaroiba.com/ojs/index.php/elmal/article/view/13245. Acesso em: 10 oct. 2026.