Wattilete, L.C., Rakhmat, R., Panggabean, B. and Halik, M.Y. 2025. Digital Transformation in HR and Employee Capability as Determinants of Financial Innovation: Evidence from Bank Central Asia. RIGGS: Journal of Artificial Intelligence and Digital Business. 4, 2 (Jul. 2025), 5396–5407. DOI:https://doi.org/10.31004/riggs.v4i2.1437.