Disruption or Catalyst? Foreign Banks’ Impact on Competition in Indonesia’s Islamic-Conventional Banking Ecosystem. ETIKONOMI, [S. l.], v. 24, n. 1, p. 1–16, 2025. DOI: 10.15408/etk.v24i1.36338. Disponível em: https://journal.uinjkt.ac.id/etikonomi/article/view/36338. Acesso em: 30 jan. 2026.