Ramadhan, S., and N. Ahmar. “Transformasi Digital Di Sektor Perbankan: Sebuah Kajian Faktor-Faktor Kunci Melalui Systematic Literature Review”. Journal of Public Auditing and Financial Management, Vol. 5, no. 1, May 2025, pp. 11-26, doi:10.36407/jpafm.v5i1.1216.