Wirapermana, Suwarha Warno, and Dadan Rahadian. “Digital Transformation, Performance, and Valuation of Indonesian Digital Banks”. Sanskara Akuntansi dan Keuangan 5, no. 01 (September 30, 2026): 246–260. Accessed October 8, 2026. https://sj.eastasouth-institute.com/index.php/sak/article/view/922.