@article{202404.0197,
	doi = {10.20944/preprints202404.0197.v1},
	url = {https://doi.org/10.20944/preprints202404.0197.v1},
	year = 2024,
	month = {April},
	publisher = {Preprints},
	author = {Riris Shanti and Hermanto Siregar and Nimmi Zulbainarni and Tony - -},
	title = {Revolutionizing Banking: Neobanks’ Digital Transformation for Enhanced Efficiency},
	journal = {Preprints}
}