TOBING, Easter Borny Uliarta; SARIPUDIN. SNAP-Based Open Ecosystem Banking Business Model: An IMRAD Framework for Scalability, Fintech Collaboration, and API Monetization. JURNAL ILMIAH EDUNOMIKA, [S. l.], v. 10, n. 1, 2026. DOI: 10.29040/jie.v10i1.19453. Disponível em: https://www.jurnal.stie-aas.ac.id/index.php/jie/article/view/19453. Acesso em: 21 feb. 2026.