Efendi, Mohamad Nur, Mukhtar Adinugroho, and Selvina Khomairoh. 2025. “Evolution and Patterns of Crime in Banking Systems: From Traditional Fraud to Cybercrime”. AML/CFT/Journal/:/The/Journal/of/Anti/Money/Laundering/and/Countering/The/Financing/of/Terrorism 3 (2). Depok, Indonesia:168-96. https://doi.org/10.59593/amlcft.2025.v3i2.219.