MILLA, N.; PUTRA, T. R. Comparative Study of Digital Banking Services: User Experience Analysis of BYOND by BSI and BALE by BTN Applications in the Era of Digital Banking Transformation. Academia Open, [S. l.], v. 10, n. 2, p. 10.21070/acopen.10.2025.12871, 2025. DOI: 10.21070/acopen.10.2025.12871. Disponível em: https://acopen.umsida.ac.id/index.php/acopen/article/view/12871. Acesso em: 9 jan. 2026.