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. doi:10.69693/jiis.v2i1.52