MENG CHAI; DORIS WONG HOOI TEN. Does Digital Tool Usage Translate Digital Competence into Workflow Efficiency? Explanatory and Predictive Evidence from AI-Augmented Banking. Journal of Computing & Biomedical Informatics, [S. l.], v. 11, n. 02, 2026. DOI: 10.56979/1102/2026/1470. Disponível em: https://jcbi.org/index.php/Main/article/view/1470. Acesso em: 29 sep. 2026.