Lay, S. E., Som, V., Sothearak, Phon, S., & Ngin, P. (2026). Central Bank-Led Fintech Competition and Bank Digital Transformation in Cambodia: Evidence from Bakong, Khqr, and Interoperable Payment Infrastructure: Evidence From Bakong, Khqr, and Interoperable Payment Infrastructure. Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM), 4(2), 61–78. https://doi.org/10.63901/ijebam.v4i2.176