KURNIAWAN LATIF, Tri. Leveraging Digital Transformation to Overcome Competitive Challenges for New Entrant: A Strategic Approach For MSME Digital Bank (Study Case: Harapan Bank). Journal Research of Social Science, Economics, and Management, [S. l.], v. 4, n. 8, p. 1086–1098, 2025. DOI: 10.59141/jrssem.v4i8.804. Disponível em: https://jrssem.publikasiindonesia.id/index.php/jrssem/article/view/804. Acesso em: 5 dec. 2025.