F. Saputri and Anggun Okta Fitri, “STRATEGI INDUSTRI PERBANKAN DALAM MENGHADAPI PERUBAHAN PASAR DAN TRANSFORMASI DIGITAL DI INDONESIA”, JIIC, vol. 2, no. 5, pp. 9782–9790, May 2025, Accessed: Oct. 07, 2026. [Online]. Available: https://jicnusantara.com/index.php/jiic/article/view/3514