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Rosanti, Novita (2020) Factors Considered to Become a Branchless. In: The 2nd International Conference on Business and Banking Innovations (ICOBBI) 2020, 14 - 15 Agustus 2020, STIE Perbanas Surabaya.
Rosanti, Novita (2021) The Influence of Cultural, Social, Personal and Psychological Factors on Customer's Decision of Choosing Bank Insurance. In: The 3rd International Conference on Business and Banking Innovations, 6 & 7 March 2021, Surabaya.