Ririn Breliastiti
Strategi unit usaha syariah bank x dalam mewujudkan visi bank x menjadi universal bank
2002
 UI - Tesis (Membership)
Bikker, Jacob A.
Bank performance : a theoretical and empirical framework for the analysis of profitability, competition and efficiency
Routledge, Taylor & Francis Group, 2008
 Buku Teks
Fenomena universal banking ditinjau dari persepsi pelaku sistem keuangan Indonesia
 Artikel Jurnal
Hankes, Elmer Joseph
A universal second language / Elmer Joseph Hankes
The Hankes Foundation, 1992
 Buku Teks
Financial inclusion and poverty alleviation : Perspectives from Islamic institutions and instruments
edited by Muhammad Zulkhibri, Abdul Gafar Ismail
Palgrave Macmillan, 2017
 Buku Teks