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Artificial Intelligence Transformation in Indonesian Banking: Its Impact on Efficiency, Fee-Based Income, and Competitive Advantage: Transformasi Artificial Intelligence Dalam Perbankan Indonesia: Dampaknya Terhadap Efisiensi, Fee Based Income, Dan Keunggulan Kompetitif. JIIS 2026, 2 (1), 48-57. https://doi.org/10.69693/jiis.v2i1.52.