ESOMAR, Maria; TURUKAY, Evracia. PENGARUH TRANSFORMASI DIGITAL DAN INOVASI LAYANAN TERHADAP PROFITABILITAS PERBANKAN NASIONAL . Jurnal Cinta Nusantara, [S. l.], v. 4, n. 3, p. 552–561, 2026. Disponível em: https://jurnalbundaratu.org/journal/index.php/cintanusantarajournal/article/view/229. Acesso em: 14 oct. 2026.