Analisis Inovasi dan Digitalisasi Perbankan di Indonesia: Bentuk Penerapan, Tantangan, dan Peluang. An-Najah: Journal of Islamic Economics, [S. l.], v. 2, n. 02, 2026. Disponível em: https://jurnal.almaidah.or.id/index.php/JNIE/article/view/929. Acesso em: 6 nov. 2026.