Judijanto, Loso, Rully Fildansyah, Eko Sudarmanto, Iwan Harsono, and Chairil Afandy , trans. “Bibliometric Analysis of the Application of Internet of Things (IoT) in Financial Services”. West Science Interdisciplinary Studies 2, no. 02 (February 26, 2024): 398–405. Accessed December 6, 2025. https://wsj.westsciences.com/index.php/wsis/article/view/664.