TANJUNG, Akbar. 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. Journal of Integrated Innovation Science, [S. l.], v. 2, n. 1, p. 48–57, 2026. DOI: 10.69693/jiis.v2i1.52. Disponível em: https://j-iis.web.id/index.php/innovation/article/view/52. Acesso em: 30 jun. 2026.