MUHAMAD AGUNG DHARMAJAYA. Digital Transformation of Banking and Its Legal Risks. Jurnal Ekonomi, [S. l.], v. 11, n. 03, p. 2180–2185, 2022. Disponível em: https://ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/8556. Acesso em: 2 jul. 2026.