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Banafsa Ayudyanita

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Open access Oct 2026

Digital Transformation and Banking Profitability: The Mediating Role of Operational Efficiency

This study empirically examines how digital transformation influences bank profitability, with operational efficiency as a mediating variable, in commercial banks listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. The rapid expansion of digital banking and increasing competition from fintech comp...

Banafsa Ayudyanita, D. Ratmono · 0 citations

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