Silaban, K., & Silaban, P. S. M. J. (2026). Pengaruh Digitalisasi Perbankan, Efisiensi Operasional, dan Kredit UMKM Terhadap Pofitabilitas Bank Umum Di Indonesia . RIGGS: Journal of Artificial Intelligence and Digital Business, 5(1), 8867–8876. https://doi.org/10.31004/riggs.v5i1.7342