APPLYING CAPABILITY APPROACH IN THE CONTEXT OF CREDIT UNION DIGITAL TRANSFORMATION. International Conference on Economics, Business, and Management Research (ICEBMR), [S. l.], v. 3, n. 1, p. 45–53, 2024. DOI: 10.24071/icebmr.v3i1.104. Disponível em: https://econference.usd.ac.id/index.php/ICEBMR/article/view/104. Acesso em: 7 jun. 2026.