Digitalisasi Perbankan, Risiko Kredit, Dan Struktur Modal : Determinan Profitabilitas Bank Di Bursa Efek Indonesia. J. Res. Acc. [Internet]. 2025 Jun. 27 [cited 2026 Apr. 21];6(2):96-108. Available from: http://jarac.untrimbali.ac.id/index.php/jarac/article/view/37