Santoso, Vincent, and Sengguruh Nilowardono. “he ffect of ervice uality, tilization of nformation echnology, and nnovation on arketing erformance of avings and oan ooperative utra andiri urabaya”. IJIEEB International Journal of Integrated Education, Engineering and Business eISSN 2615-1596 pISSN 2615-2312 1, no. 1 (March 31, 2018): 30-40. ccessed May 8, 2024. https://jurnal.narotama.ac.id/index.php/ijieeb/article/view/794.