SIMAMORA, Saur; RAHAYU, Agus; DIRGANTARI, Puspo Dewi. Driving Digital Transformation in Small Banks With VRIO Analysis. Jurnal Aplikasi Bisnis dan Manajemen, [S. l.], v. 10, n. 1, p. 99, 2024. DOI: 10.17358/jabm.10.1.99. Disponível em: https://journal.ipb.ac.id/jabm/article/view/47526. Acesso em: 22 jun. 2026.