Prakoso, Roy, Sri Widyastuti, and Irvandi Gustari. 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.