Digital Transformation of Banking in Improving Efficiency: A Study on Indonesian Digital Banks. Management Analysis Journal, [S. l.], v. 15, n. 2, p. 166–175, 2026. DOI: 10.15294/maj.v15i2.62081. Disponível em: https://journal.unnes.ac.id/journals/maj/article/view/62081. Acesso em: 1 nov. 2026.