Nungki Indraty TK, Mardiana Purwaningsih. THE DYNAMICS OF INDONESIA’S DIGITAL BANKING BUSINESS ENVIRONMENT: A CONCEPTUAL PESTEL ANALYSIS INTEGRATED WITH DYNAMIC CAPABILITIES AND INSTITUTIONAL THEORY. JARUDA [Internet]. 2026 Oct. 10 [cited 2026 Oct. 12];5(2):2286-302. Available from: https://jaruda.id/index.php/go/article/view/462