PRAMUDIYA, Widi; ALI, Syaiful. Strategi Transformasi Digital untuk Efisiensi Biaya Perbankan Indonesia: Integrasi TAM, Keamanan Data, dan Agentic AI. Journal of Authentic Research, [S. l.], v. 5, n. 3, p. 6710–6721, 2026. DOI: 10.36312/jar.v5i3.5674. Disponível em: https://journal-center.litpam.com/index.php/jar/article/view/5674. Acesso em: 30 sep. 2026.