Rahmati, Arinal, and Azharsyah Ibrahim. “STRATEGI PENGEMBANGAN PERBANKAN SYARIAH DALAM MENGHADAPI FINANCIAL TECHNOLOGY”. istinbath 21, no. 1 (August 24, 2022): 125–141. Accessed February 12, 2026. https://istinbath.or.id/index.php/ijhi/article/view/490.