“Measuring the Efficiency of Digitalization in Banking Services: Theoretical and Practical Approaches”. International journal of artificial intelligence, [S. l.], v. 5, n. 09, p. 134–141, 2025. Disponível em: https://www.academicpublishers.org/journals/index.php/ijai/article/view/6273.. Acesso em: 17 sep. 2025.