Kurniawan Latif, T. (2025) “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, 4(8), pp. 1086–1098. doi: 10.59141/jrssem.v4i8.804.