ALAM, Yuli; AZIZAH , Siti Nur; CAROLINE, Caroline. Digital Transformation in Banking Management: Optimizing Operational Efficiency and Enhancing Customer Experience. International Journal of Management Science and Information Technology, [S. l.], v. 5, n. 1, p. 46–55, 2025. DOI: 10.35870/ijmsit.v5i1.3646. Disponível em: https://journal.lembagakita.org/IJMSIT/article/view/3646. Acesso em: 28 mar. 2026.