LUTHIA, Mahesh; MALINAO, Client William M. Banking Transformation: The Impact of Competition Between International Digital Banks and Traditional Banks on Global Customers. SINOMIKA JOURNAL: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi, [S. l.], v. 5, n. 3, p. 481–496, 2026. DOI: 10.47353/sinomika.v5i3.2462. Disponível em: https://publish.ojs-indonesia.com/index.php/SINOMIKA/article/view/2462. Acesso em: 22 oct. 2026.