UMMUL BANEEN; MUHAMMAD UMER PASHA. Comprehensive Analysis Of Digital Transformation In Pakistan’s Banking Sector For Improving Operational Efficiency. Journal of Management Science Research Review, [S. l.], v. 5, n. 1, p. 1456–1467, 2026. Disponível em: https://www.jmsrr.com/index.php/Journal/article/view/419. Acesso em: 2 mar. 2026.