Wahab, A., I. L. D. Lawalata, F. Fattah, and M. Megawaty. “Digital Transformation and Technological Innovation in the National Banking Sector: A Grounded Theory Approach”. Advances in Management & Financial Reporting, vol. 4, no. 2, Apr. 2026, pp. 343-54, doi:10.60079/amfr.v4i2.643.