PERTIWI, Ruspita Rani; JANNAH, Syayyidah Maftuhatul; SODIK, Fajar. HUMAN CAPITAL DRIVERS TO SERVICE INNOVATION: EVIDENCE FROM ISLAMIC BANKING IN INDONESIA. Journal of Islamic Monetary Economics and Finance, [S. l.], v. 10, n. 2, p. 221–248, 2024. DOI: 10.21098/jimf.v10i2.1969. Disponível em: http://jimf-bi.org/JIMF/article/view/1969. Acesso em: 29 dec. 2025.