THE FUTURE OF BANKING IN THE TECHNOLOGY ERA: DIGITAL TRANSFORMATION AND IMPLICATIONS. INTERNATIONAL SEMINAR, [S. l.], v. 7, p. 869–886, 2025. DOI: 10.36563/aae9c452. Disponível em: https://conference.unita.ac.id/index.php/conference/article/view/582. Acesso em: 20 feb. 2026.