STRATEGI INDUSTRI PERBANKAN DALAM MENGHADAPI PERUBAHAN PASAR DAN TRANSFORMASI DIGITAL DI INDONESIA. Jurnal Intelek Insan Cendikia, [S. l.], v. 2, n. 5, p. 9782–9790, 2025. Disponível em: https://jicnusantara.com/index.php/jiic/article/view/3514. Acesso em: 9 aug. 2026.