Raihan Habibi Ta’lab, Yuni Shara Shanti, Dina Mardiana Nur Hazanah, and 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):4252-56. https://doi.org/10.59934/jaiea.v5i3.2403.