Sari, Novia, Denisha Albania Prajoko, Nahdiyah Istiqomah, Fadil Maskur, and Muhamad Dupi. “Transforming Financial Risk Management and Operational Efficiency: The Impact of AI Adoption in Indonesian Banks”. Journal of Central Banking Law and Institutions 5, no. 3 (September 23, 2026): 599–630. Accessed September 25, 2026. https://jcli-bi.org/jcli/article/view/442.