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), pp. 135–150. doi: 10.33736/ijbs.9555.2025.