NGARBINGAN, Hubertina Karolina; MARIA, Maya; GINTING, Ginta. Reframing Digital Banking Strategy Beyond Commoditization: Emotional Experience, Value Co-Creation, and Customer Loyalty Among Young Digital Banking Customers. Ilomata International Journal of Management, [S. l.], v. 7, n. 4, p. 1531–1549, 2026. DOI: 10.61194/ijjm.v7i4.2553. Disponível em: https://ilomata.org/index.php/ijjm/article/view/2553. Acesso em: 28 oct. 2026.