“Analysis of Technical Competence, Work Ethics and Product Knowledge in Improving the Welfare of BJB Bandung Bank Employees: Analisis Kompetensi Teknis, Etika Kerja Dan Product Knowledge Dalam Meningkatkan Kesejahteraan Karyawan Bank BJB Bandung”. 2026. Procedia of Social Sciences and Humanities 9 (1): 543-62. https://doi.org/10.21070/kj008r18.