Ceasario, Adrian Fadel, and Fauzatul Laily Nisa. “Transformasi Keuangan Digital Dalam Perspektif Ekonomi Syariah : Peluang, Tantangan, Dan Dampak Terhadap Inklusi Keuangan: Digital Financial Transformation in the Perspective of Sharia Economics: Opportunities, Challenges, and Impact on Financial Inclusion”. Al Rikaz: Jurnal Ekonomi Syariah 3, no. 1 (February 7, 2025): 102–114. Accessed February 3, 2026. https://ejurnal.iainpare.ac.id/index.php/rikaz/article/view/9596.