Alina Elena IonașcuGabriela GheorghiuElena Cerasela SpătariuIrena MunteanuAdriana GrigorescuAlexandra Dănilă2025-05-222025-05-222023jz000180-0529https://tustorage.ulb.tu-darmstadt.de/handle/tustorage/39484600Unraveling Digital Transformation in Banking: Evidence from RomaniaArticlehttps://doi.org/10.3390/systems11110534