Abdullah A, Dikky Indrawan, Nur Hasanah. Navigating Digital Transformation in Rural Banks: A Study of Critical Success Factors in Indonesia. emait [Internet]. 2024 Dec. 31 [cited 2026 Apr. 8];5(2):64-72. Available from: https://publisher.uthm.edu.my/ojs/index.php/emait/article/view/20249