“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”. Procedia of Social Sciences and Humanities, vol. 9, no. 1, Aug. 2026, pp. 543-62, https://doi.org/10.21070/kj008r18.