Firmansyah, M. A. and Kusnadar, A. (2026) “The Impact of Banking Digitalization on Operational Efficiency and Its Implications for Profitability: A Case Study of Bank Bjb’s Garut Branch”, JURNAL ECONOMINA, 5(9), pp. 7169–7176. doi: 10.55681/economina.v5i9.4333.