?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.aulast=Muharram&rft.au=Muharram&rft.issn=P-ISSN%3A+2963-9298%2C+e-ISSN%3A+2963-914X&rft.atitle=Tantangan+Dan+Strategi+Pengembangan+SDM+Dalam+Menghadapi+Transformasi+AI+Di+Lingkungan+Kerja%3A+Studi+Kualitatif+Pada+Sektor+Perbankan&rft.pages=884-889&rft.volume=4&rft.title=Journal+of+Artificial+Intelligence+and+Digital+Business+(RIGGS)&rft.date=April+2025&rft.issue=1&rft.genre=article