“Literature Review: Dampak Digital Banking terhadap Kompetensi dan Peran SDM di Industri Perbankan”, JAEM, vol. 2, no. 2, pp. 8–13, Oct. 2025, Accessed: Aug. 05, 2026. [Online]. Available: https://jurnal.licheninstitute.com/index.php/jaem/article/view/296