Lubis, M. S. and Mailindra, W. (2025) “Digital Transformation in Banking: A Study of Student Adaptation in Sungai Penuh City in Migrating from BSI Mobile to Byond by BSI”, Jurnal Iqtisaduna, 11(2), pp. 542–555. doi: 10.24252/iqtisaduna.v11i2.62210.