Putri, Adinda Divana, and Ali Maskur. “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 7, no. 10 (October 5, 2026): 6095–6110. Accessed October 10, 2026. https://journal-laaroiba.com/ojs/index.php/elmal/article/view/13245.