Joni, Cindy Synthya Br Tarigan, Didik Gunawan, & Cici Puspaningrum. (2025). ANALYSIS OF FACTORS AFFECTING BANK SINARMAS LOYALTY TO MILLENNIALS AND GENERATION Z. International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET), 4(6), 767–780. https://doi.org/10.54443/ijset.v4i6.744