Raihan Habibi Ta’lab, Yuni Shara Shanti, Dina Mardiana Nur Hazanah, & Achmarul Fajar. (2026). The Transformation of Banking Frontliner Competencies in the Digital Age: A Systematic Review. Journal of Artificial Intelligence and Engineering Applications (JAIEA), 5(3), 4252–4256. https://doi.org/10.59934/jaiea.v5i3.2403