Nimas Melenia Mutiara Akbary, Irwan Trinugroho, Tastaftiyan Risfandy, and Putra Pamungkas. 2025. “DIGITAL TRANSFORMATION AND EFFICIENCY: EVIDENCE FROM INDONESIAN BANKS”. International Journal of Business and Society 26 (1):135-50. https://doi.org/10.33736/ijbs.9555.2025.