The 3rd International Conference on Banking, Accounting, Management, and Economics (ICOBAME) was held on 17 December 2020. The theme of the conference is “The Dramatic Change of Business Innovation In Achieving Competitive Advantage And Sustainability In Post Covid 19 Era”. This proceeding contains papers from many universities which have been presented and discussed in the seminar. Hopefully, the proceeding can give us many benefits, can open our thought, and can increase our knowledge. At last, we would like to say congratulation, success, and thanks for the collaboration in holding the seminar together.
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for the conference website.