JULIANA PUTRI. Digital Transformation Of Branch Offices: Balancing Physical and Digital Services In The Era Of Smart Banking. International Journal of Management and Business Economics, [S. l.], v. 4, n. 3, p. 392–397, 2026. DOI: 10.58540/ijmebe.v4i3.1707. Disponível em: https://putrapublisher.org/index.php/jamis/article/view/1707. Acesso em: 20 jul. 2026.