Alam Y, Azizah SN, Caroline C. Digital Transformation in Banking Management: Optimizing Operational Efficiency and Enhancing Customer Experience. Int. J. Manag. Sci. Inf. Technol. [Internet]. 2025 Jan. 30 [cited 2026 Mar. 28];5(1):46-55. Available from: https://www.journal.lembagakita.org/IJMSIT/article/view/3646