AMINI, Aisyah; MIRATI, Elly. Pengaruh Non-Performing Loan (NPL), Efisiensi Operasional, dan BI Rate terhadap Kinerja Keuangan Bank Digital Periode 2022-2024. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 5, n. 2, p. 17698–17705, 2026. DOI: 10.31004/riggs.v5i2.12198. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/12198. Acesso em: 25 aug. 2026.