WATTILETE, L. C.; RAKHMAT, R.; PANGGABEAN, B.; HALIK, M. Y. 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, [S. l.], v. 4, n. 2, p. 5396–5407, 2025. DOI: 10.31004/riggs.v4i2.1437. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/1437. Acesso em: 26 apr. 2026.