Jerry Heikal et al. 2022. Hybrid Model Of Structural Equation Modeling Pls And Rfm (Recency, Frequency And Monetary) Model To Improve Bank Average Balance . Aptisi Transactions on Technopreneurship (ATT). 4, 1 (Jan. 2022), 1–8. DOI:https://doi.org/10.34306/att.v4i1.221.