SIHITE, M. The Role of Banking Digitalization in Enhancing Competitiveness: A Conceptual Review. Proceeding of International Conference on Business, Economics, Finance and Technology, [S. l.], v. 1, n. 1, p. 197–206, 2024. Disponível em: https://journal.formosapublisher.org/index.php/pic-beft/article/view/11792. Acesso em: 25 jun. 2026.