Firdaus A, Milisani M, Jati P. Digital Transformation Strategies of Rural Banks in Depok in Response to Fintech Disruptio . Annals of Human Resource Management Research [Internet]. 2026 Apr. 1 [cited 2026 Apr. 4];6(1):353-66. Available from: https://goodwoodpub.com/index.php/ahrmr/article/view/3492