THE IMPACT OF ORGANIZATIONAL TRANSFORMATION ON BUSINESS PERFORMANCE THROUGH INNOVATION, FINANCIAL TECHNOLOGY, DIGITAL MARKETING, AND GOVERNMENT REGULATION: EVIDENCE FROM BANK BNCTL TIMOR LESTE. Lex localis - Journal of Local Self-Government, [S. l.], v. 23, n. 11, p. 1961–1974, 2025. DOI: 10.52152/az6bsf62. Disponível em: https://lex-localis.org/index.php/LexLocalis/article/view/802595. Acesso em: 20 aug. 2026.