Tedhi Irawan, Che Ruhana Isa and Ervina Alfan 2023. The Impact of Digital Banking Adoption, Risk Management and Balanced Scorecard on Indonesian Banking Performance – A Conceptual Paper . Asian Journal of Accounting Perspectives. 16, 1 (Dec. 2023), 97–115. DOI:https://doi.org/10.22452/AJAP.vol 16.5.