Suswanto, Riza Eko, Ickhsanto Wahyudi, Rahmawati Rahmawati, and Muhammad Said. “Bridging Faith and Innovation: A Systematic Literature Review of Islamic FinTech Adoption Patterns and Regulatory Frameworks (2020-2024)”. Al-Muamalat: Jurnal Ekonomi Syariah 12, no. 1 (March 5, 2025): 59–76. Accessed June 15, 2025. http://103.55.33.27/index.php/mua/article/view/41417.