Burhanuddin, Andi Mustika Amin, Hery Maulana Arif. Fintech and Operational Efficiency: Empirical Evidence from Indonesia’s Banking Sector. SAHRI [Internet]. 2025 Dec. 18 [cited 2026 May 13];2(2):708-1. Available from: https://journal.as-salafiyah.id/index.php/sahri/article/view/904