“BETWEEN INNOVATION AND CHALLENGES: UTILIZATION OF BLOCKCHAIN AND CLOUD PLATFORMS IN THE TRANSFORMATION OF BANKING SERVICES IN THE DIGITAL ERA” (2024) Journal of Jabar Economic Society Networking Forum, 1(3), pp. 1–16. Available at: https://jesocin.com/index.php/jesocin/article/view/13 (Accessed: 28 June 2026).