Strategi Transformasi Digital untuk Efisiensi Biaya Perbankan Indonesia: Integrasi TAM, Keamanan Data, dan Agentic AI
The findings indicate that digital efficiency depends on alignment among user adoption, security, leadership, and automation and Agentic AI should be treated as a strategic enabler that requires governance and human oversight rather than as an independently validated driver of bank-level accounting efficiency.
Widi Pramudiya, Syaifullah Ali
· Journal of Authentic Researc... · 0 citations