Handa, Nur, et al. “TRANSFORMASI DIGITAL PERBANKAN: ANALISIS IMPLEMENTASI TEKNOLOGI FINANCIAL TECHNOLOGY (FINTECH) DALAM MENINGKATKAN LAYANAN PERBANKAN DI PT BANK CENTRAL ASIA TBK”. SINERGI : Jurnal Riset Ilmiah, vol. 2, no. 12, Dec. 2025, pp. 5415-30, https://doi.org/10.62335/sinergi.v2i12.2134.