TEDHI IRAWAN; CHE RUHANA ISA; ERVINA ALFAN. The Impact of Digital Banking Adoption, Risk Management and Balanced Scorecard on Indonesian Banking Performance – A Conceptual Paper . Asian Journal of Accounting Perspectives, [S. l.], v. 16, n. 1, p. 97–115, 2023. DOI: 10.22452/AJAP.vol 16.5. Disponível em: https://jummec.um.edu.my/index.php/AJAP/article/view/49094. Acesso em: 5 apr. 2025.