Octrina, Fajra, and Rike Setiawati. 2019. “Competitiveness of Indonesian Banking Industry Based on Commercial Bank Business Group: Panzar Rosse Model”. Jurnal Perspektif Pembiayaan Dan Pembangunan Daerah 7 (1):37 - 48. https://doi.org/10.22437/ppd.v7i1.7475.