Susanto DR, Zulfiqar AE, Kusumawardhani A. Digital Banking Transformation, Customer Trust, and Optimizing BRI Auction Website for NPLs. IBR [Internet]. 2026 Jan. 22 [cited 2026 Jun. 12];4(1):66-79. Available from: https://journal.lifescifi.com/index.php/ibr/article/view/1365