[1]
S. M. Wati, H. Malini, W. Pebrianti, M. R. Ristyawan, and A. Syahputri, “Effects of Digital Transformation, GCG, and CAR on NPL in Indonesian Banks with Profitability as Moderator ”, jemr, vol. 5, no. 5, pp. 5884–5898, Sep. 2026.