KHOLIDAH, H.; EVITA NUR HALIZA; NORZAHIDAH BINTI YACOB; MOCHAMMAD NURUL; MUHAMMAD RAISA HAQQIQUDDIN ROKHMATULLOH; HANIFIYAH YULIATUL HIJRIAH; HANIF FADHLILLAH. Efficiency, Risk, and Fintech as Indonesian Bank Profitability Drivers. Riset Akuntansi dan Keuangan Indonesia, [S. l.], v. 11, n. 2, 2026. DOI: 10.23917/reaksi.v11i2.18987. Disponível em: https://journals2.ums.ac.id/reaksi/article/view/18987. Acesso em: 9 oct. 2026.