Analisis Empiris Dampak Transformasi Digital Terhadap Produktivitas dan Efisiensi Biaya Operasional Pada Bank Komersial di Indonesia. Journal of Capital Markets and Banking, [S. l.], v. 13, n. 3, p. 88–97, 2025. DOI: 10.63607/jcmb.v13i3.26. Disponível em: https://journal.adlermanurungpress.com/index.php/jpmp/article/view/26. Acesso em: 7 nov. 2026.