SAPTONO, Edy; SANTOSO, Ignatius Hari. The Dark and Bright Side of UBO Transparency: Switching Potential, Product Cannibalism, and Sales Performance in the Banking Industry. Jurnal Manajemen dan Inovasi (MANOVA), [S. l.], v. 9, n. 2, p. 214–237, 2026. DOI: 10.15642/manova.v9i2.2615. Disponível em: https://jurnalfebi.uinsa.ac.id/index.php/MANOVA/article/view/2615. Acesso em: 11 aug. 2026.