) Abnormal Return Accounting Adopsi Inovasi Teknologi Altman Z-score Analisis Sentimen Financial Distress Financial Inclusion GARCH HB Economic Theory Harga Saham IHSG Ilmu Ekonomi Innovation Diffusion Theory (IDT) Layanan Financial Technology Layanan Perbankan Digital LinkAja Naive Bayes Classifier Naïve Bayes Nilai Tukar Nyanyian rohani (Kristen) Principal Component Analysis Rank Spearman Sektor Pertambangan Support Vector Machine Teori Difusi Inovasi Volatilitas availability bank’s profit k-Nearest Neighbor kesulitan keuangan penetration regresi data panel tata kelola perusahaan usage