IRAWAN, T. .; ISA, C. R. .; ALFAN, E. . The effect of digital banking adoption and risk management on bank performance: The intervening role of balanced scorecard. International Journal of Innovative Research and Scientific Studies, [S. l.], v. 8, n. 4, p. 965–980, 2025. DOI: 10.53894/ijirss.v8i4.7980. Disponível em: https://www.ijirss.com/index.php/ijirss/article/view/7980. Acesso em: 19 nov. 2025.