Bautista, Calvin Jake, and Maricris G. Unico. 2026. “Financial Technology Adoption and Change Management of Rural Banks in Compliance With BSP NSFI 2022-2028: Basis for Business Transformation Roadmap”. Journal of Business and Management Studies 8 (6): 74-83. https://doi.org/10.32996/jbms.2026.8.6.6.