Mulyadi, Wahyu. “Digital Transformation Through Artificial Intelligence: Implication for the Financial Performance of the Banking Sector ”. International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM), vol. 4, no. 2, Nov. 2025, https://journal.unj.ac.id/unj/index.php/isc-beam/article/view/61526.