[1]
A. . Abdullah, Dikky Indrawan, and Nur Hasanah, “Navigating Digital Transformation in Rural Banks: A Study of Critical Success Factors in Indonesia”, emait, vol. 5, no. 2, pp. 64–72, Dec. 2024, Accessed: Aug. 12, 2026. [Online]. Available: https://journal.uthm.edu.my/index.php/emait/article/view/20249