“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”, pssh, vol. 9, no. 1, pp. 543–562, Aug. 2026, doi: 10.21070/kj008r18.