Alshamesti, Omar, Noormaizatul Akmar binti Ishak, and Juraini Zainol Abidin. 2026. “Integrating Emerging Technologies for Sustainable Banking: Insights into Digital Transformation Amid the Digital Divide”. Advanced and Sustainable Technologies (ASET) 5 (1):167-80. https://doi.org/10.58915/aset.v5i1.3203.