Purnomo, Rudi, and Ruki Harwahyu. “Risk Management Analysis in Digital Bank XYZ Using the COBIT 2019 Framework”. MALCOM: Indonesian Journal of Machine Learning and Computer Science 5, no. 3 (July 31, 2025): 1012-1018. Accessed January 24, 2026. https://www.journal.irpi.or.id/index.php/malcom/article/view/1876.