Abdullah, Asaduddin, Dikky Indrawan, and Nur Hasanah. 2024. “Navigating Digital Transformation in Rural Banks: A Study of Critical Success Factors in Indonesia”. Emerging Advances in Integrated Technology 5 (2): 64-72. https://penerbit.uthm.edu.my/ojs/index.php/emait/article/view/20249.