Asngari, Imam, Taufiq Marwa, Didik Susetyo, Suhel Suhel, and Syamsurijal A. Kadir. 2018. “The Impact of Banking Architecture Policy and Macroeconomic Condition on Indonesian Banking Concentration and Market Structure”. International Journal of Economics and Financial Issues 8 (1):118-25. https://econjournals.net.tr/index.php/ijefi/article/view/5850.