“ANALISIS PENGARUH DIGITALISASI TERHADAP KINERJA KEUANGAN PADA SEKTOR PERBANKAN PERIODE 2018-2023”. Indo-Fintech Intellectuals: Journal of Economics and Business, vol. 5, no. 3, Sept. 2025, pp. 6849-63, https://doi.org/10.54373/ifijeb.v5i3.3960.