Dr. Putra Pamungkas MemberPutra is a faculty member at the Faculty of Economics and Business, Universitas Sebelas Maret. He holds a Master and PhD degree in Banking and Finance from the University of Limoges, France. His research is focused on bank lending, financial technology and Islamic banking. He has published a paper in Economic Systems.https://www.scopus.com/authid/detail.uri?authorId=5617858630