“Analisis Dampak Digitalisasi Perbankan terhadap Profitabilitas Bank Konvensional di Indonesia”, JIIC, vol. 2, no. 2, pp. 2923–2928, Feb. 2025, Accessed: May 27, 2026. [Online]. Available: https://jicnusantara.com/index.php/jiic/article/view/2542