DM, Rustan, Karlina Ghazalah Rahman, Emily Nur Saidy, Qomariyatus Sholihah, Sri Prilmayanti Awaluddin, and Ridwan Danuarta Galisong. 2026. “Digital Transformation, Public Trust, and Banking Challenges: A Comprehensive Mixed-Methods Analysis”. Jurnal Ilmiah Akuntansi Kesatuan 14 (3):741-54. https://doi.org/10.37641/jiakes.v14i3.4965.