Fabian Dheano Alamsyah, and Yos Sunitiyoso. “REPOSITIONING THE INDONESIAN CREDIT CARD INDUSTRY IN THE ERA OF DIGITAL FINANCIAL SERVICES: A SCENARIO PLANNING APPROACH”. Multidiciplinary Output Research For Actual and International Issue (MORFAI) 6, no. 2 (January 17, 2026): 2335–2345. Accessed January 22, 2026. https://radjapublika.com/index.php/MORFAI/article/view/4995.