Yuantayanto, Yuantayanto, et al. “The Effectiveness of ‘Laku Pandai’ Agent Implementation on Service Development at Bank Kalteng, Pangkalan Bun Branch”. International Journal of Economics and Management Research, vol. 5, no. 1, Mar. 2026, pp. 804-12, doi:10.55606/ijemr.v5i1.813.