“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, vol. 2, no. 1, pp. 48–57, Jun. 2026, doi: 10.69693/jiis.v2i1.52.