Kholidah, H., Evita Nur Haliza, Norzahidah Binti Yacob, Mochammad Nurul, Muhammad Raisa Haqqiquddin Rokhmatulloh, Hanifiyah Yuliatul Hijriah and Hanif Fadhlillah 2026. Efficiency, Risk, and Fintech as Indonesian Bank Profitability Drivers. Riset Akuntansi dan Keuangan Indonesia. 11, 2 (Sep. 2026). DOI:https://doi.org/10.23917/reaksi.v11i2.18987.