DIGITAL TRANSFORMATION OF COMMERCIAL BANKS AND INCREASING ECONOMIC EFFICIENCY IN SERVICE AREAS. Economic Horizons: Journal of Business, Economics, and Finance, [S. l.], v. 1, n. 12, p. 11–17, 2025. Disponível em: https://ecomindspress.com/index.php/eh/article/view/241. Acesso em: 14 jan. 2026.