Mahjudin Mahjudin, I. Kristiawati, and M. Ilham SAM. “Mitigating Market Power in Banking: Cost Efficiency and the Path Toward Consumer Welfare”. Journal of Managerial Sciences and Studies, vol. 3, no. 2, June 2025, pp. 564-78, doi:10.61160/jomss.v3i2.80.