“ANALISIS PENGARUH DIGITALISASI TERHADAP KINERJA KEUANGAN PADA SEKTOR PERBANKAN PERIODE 2018-2023”. Indo-Fintech Intellectuals: Journal of Economics and Business 5, no. 3 (September 20, 2025): 6849–6863. Accessed June 23, 2026. https://indo-intellectual.id/index.php/ifi/article/view/3960.