Widjanarko, Wirawan, Adler Haymans Manurung, and Nera Marinda Machdar. “Operational Risk Management in Digital Banks: Challenges and Solutions”. Dinasti International Journal of Economics, Finance & Accounting 6, no. 1 (March 1, 2025): 315–324. Accessed April 4, 2026. https://dinastipub.org/DIJEFA/article/view/3978.