TY - GENERIC DO - 10.20944/preprints202404.0197.v1 UR - http://dx.doi.org/10.20944/preprints202404.0197.v1 TI - Revolutionizing Banking: Neobanks’ Digital Transformation for Enhanced Efficiency T2 - Preprints AU - Shanti, Riris AU - Siregar, Hermanto AU - Zulbainarni, Nimmi AU - -, Tony - PY - 2024 DA - 2024/04/02 PB - Preprints