Tanjung A. 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 [Internet]. 2026 Jun. 30 [cited 2026 Jun. 30];2(1):48-57. Available from: https://j-iis.web.id/index.php/innovation/article/view/52