Chiara C N Abednego, M Dachyar. “The Improvement of Online Transaction Return Process, by Using Business Process Reengineering Approach: Case Study of a Stateowned Bank”. International Journal of Advanced Science and Technology, Vol. 29, no. 7s, May 2020, pp. 3562-70, http://sersc.org/journals/index.php/IJAST/article/view/17654.