Prakoso, R., Widyastuti, S. ., & Gustari, I. . (2025). Competitive Strategies of Regional Development Banks: The Role of Intellectual Capital, Organizational Capability, and Governance Risk Compliance. Dinasti International Journal of Economics, Finance &Amp; Accounting, 6(2), 1495–1501. https://doi.org/10.38035/dijefa.v6i2.4309