Mataram, M Dedy Ompi, Rita Mulyanti, and Achmadi Achmadi. 2026. “FEAR-DRIVEN DECISION-MAKING IN CYBER RISK MANAGEMENT AND DIGITAL TRANSFORMATION OF BANKING: A SYSTEMATIC LITERATURE REVIEW”. Jurnal Ilmiah Ilmu Terapan Universitas Jambi 10 (2). https://www.online-journal.unja.ac.id/JIITUJ/article/view/53556.