PRATIWI, Suci Kurnia. The Effect of Digital Banking, Digital Financial Literacy, and Service Innovation on Customer Loyalty Through Digital Banking Application User Satisfaction . Journal Research of Social Science, Economics, and Management, [S. l.], v. 5, n. 8, p. 10661–10675, 2026. DOI: 10.59141/jrssem.v5i8.1382. Disponível em: https://jrssem.publikasiindonesia.id/index.php/jrssem/article/view/1382. Acesso em: 10 mar. 2026.