RAMADHAN, Syahril; AHMAR, Nurmala. Transformasi digital di sektor perbankan: sebuah kajian faktor-faktor kunci melalui systematic literature review. Journal of Public Auditing and Financial Management, [S. l.], v. 5, n. 1, p. 11–26, 2025. DOI: 10.36407/jpafm.v5i1.1216. Disponível em: https://www.ejournal.imperiuminstitute.org/index.php/JPAFM/article/view/1216. Acesso em: 10 jun. 2026.