“Educational Empowerment for Marketing Staff: Linking Customer Relationship Orientation, Digital Banking, and R&D Cooperation in Bank BJB”. Educenter : Jurnal Ilmiah Pendidikan 4, no. 2 (July 25, 2022). Accessed December 24, 2025. https://jurnal.arkainstitute.co.id/index.php/educenter/article/view/1870.