Analisis Efisiensi Proses Bisnis Pada Transformasi Digital Perbankan. Jurnal Akuntansi Manado (JAIM), [S. l.], p. 389 402, 2023. DOI: 10.53682/jaim.vi.6949. Disponível em: https://ejurnal.unima.ac.id/index.php/jaim/article/view/6949. Acesso em: 19 dec. 2025.