BURHANUDDIN; ANDI MUSTIKA AMIN; HERY MAULANA ARIF. Fintech and Operational Efficiency: Empirical Evidence from Indonesia’s Banking Sector. Journal of Studies in Academic, Humanities, Research, and Innovation, [S. l.], v. 2, n. 2, p. 708–718, 2025. DOI: 10.71305/sahri.v2i2.904. Disponível em: https://journal.as-salafiyah.id/index.php/sahri/article/view/904. Acesso em: 13 may. 2026.