THE IMPACT OF FINANCIAL TECHNOLOGY (FINTECH) IMPLEMENTATION ON THE OPERATIONAL EFFICIENCY OF BANKS LISTED ON THE INDONESIA STOCK EXCHANGE. Indo-Fintech Intellectuals: Journal of Economics and Business, [S. l.], v. 5, n. 3, p. 7117–7124, 2025. DOI: 10.54373/ifijeb.v5i3.4250. Disponível em: https://indo-intellectual.id/index.php/ifi/article/view/4250. Acesso em: 26 jun. 2026.