Siti Masitoh, and Naila Hali Sylvia. 2025. “From Digitisation to Full Digital Banking: A Systematic Literature Review on the Multilevel Integration of Industry 4.0 Technologies and Conceptual Frameworks in Banking Transformation”. International Journal of Business Law, Business Ethic, Business Comunication &Amp; Green Economics 2 (3):34-57. https://doi.org/10.70142/ijbge.v2i3.416.