CHRISTABEL, Lea Ivana. PERAN DIGITAL BANKING TERHADAP RETURN ON ASSETS (ROA) PERBANKAN DALAM MENDUKUNG TRANSFORMASI KEUANGAN BERKELANJUTAN. Prosiding Seminar Nasional Manajemen, [S. l.], v. 5, n. 1, p. 358–366, 2026. Disponível em: https://openjournal.unpam.ac.id/index.php/PSM/article/view/61326. Acesso em: 22 aug. 2026.