THE DIGITAL TRANSFORMATION OF BANKING AND FINANCIAL INSTITUTIONS: RESILIENCE, RISKS, AND REGULATORY CHALLENGES. Center for Management Science Research, [S. l.], v. 3, n. 8, p. 146–154, 2025. Disponível em: https://cmsrjournal.com/index.php/Journal/article/view/605. Acesso em: 3 jun. 2026.