Khadijah Marie. “DIGITAL TRANSFORMATION IN THE BANKING AND FINANCIAL INSTITUTION SECTOR ON CAPITAL MARKET DYNAMICS IN INDONESIA: A QUALITATIVE STUDY THROUGH ONLINE OBSERVATION”. Interdisciplinary Journal of Global and Multidisciplinary, vol. 2, no. 1, Jan. 2026, pp. 223-31, https://jurnal-ijgam.or.id/index.php/IJGAM/article/view/98.