PRATAMA, K. J. Advancing Futuristic Digital Banking: Strategic Enhancement and a Roadmap for Excellence. Journal of Central Banking Law and Institutions, [S. l.], v. 4, n. 1, p. 113–140, 2025. DOI: 10.21098/jcli.v4i1.267. Disponível em: https://www.jcli-bi.org/index.php/jcli/article/view/267. Acesso em: 2 feb. 2026.