Lubis, I. F., Azhari Akmal Tarigan, A. Soemitra, M. Rizal, and K. Kaswinata. “Developing BSI Agent Networks to Strengthen Islamic Banking Financial Inclusion: Insights from an Analytic Network Process Study”. INVEST : Jurnal Inovasi Bisnis Dan Akuntansi, vol. 7, no. 1, May 2026, pp. 421-36, doi:10.55583/invest.v7i1.2264.