Amini, Aisyah, and Elly Mirati. “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 5, no. 2 (July 22, 2026): 17698–17705. Accessed August 24, 2026. https://journal.ilmudata.co.id/index.php/RIGGS/article/view/12198.