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SILITONGA, L. K.; WIJAYATI, N. . 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: 26 jul. 2025.