@misc{ais_repository_3993,
  title = {Transformasi Digital dalam Industri Perbankan},
  author = {Peti Savitri and dkk.},
  year = {2026},
  publisher = {Penerbit NEM},
  howpublished = {Repository AIS},
  note = {oai:ais:library-item:8726}
}