DIGITAL TRANSFORMATION AND EFFICIENCY: EVIDENCE FROM INDONESIAN BANKS Written by Nimas Melenia Mutiara Akbary, Irwan Trinugroho, Tastaftiyan Risfandy, Putra Pamungkas on 06 May 2025. Posted in Vol.26 No.1, 2025 International Journal of Business and SocietyVol. 26 No.1, 2025, 135-150 Full Paper