Digital Banking Transformation and Profitability: A Trend Analysis of ROA and ROE of HDFC Bank (2014–2025). Jurnal Ilmiah Bisnis Digital, [S. l.], v. 2, n. 2, p. 142–153, 2026. DOI: 10.69533/z7p5vg30. Disponível em: https://ejournal.rizaniamedia.com/index.php/bisnistek/article/view/505.. Acesso em: 2 jun. 2026.