Adinugroho, Hendi Yudhanto, Dwi Winarno, and Rian Sofiyan. 2026. “Comparative Financial Performance of Digital Banks Using CAMEL Model : Evidence from the Indonesia Digital Banking Industry ”. Jurnal Manajemen Dayasaing 28 (1):16-28. https://doi.org/10.23917/dayasaing.v28i1.16878.