“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”. 2026. Journal of Integrated Innovation Science 2 (1): 48-57. https://doi.org/10.69693/jiis.v2i1.52.