1.
Mardhiyah Gultom, Novien Rialdy. ANALYSIS OF OPPORTUNITIES AND CHALLENGES IN THE DEVELOPMENT OF SHARIA FINTECH IN INDONESIA 2020 – 2025. IJGAM. 2026;2(1):501-509. Accessed March 14, 2026. https://jurnal-ijgam.or.id/index.php/IJGAM/article/view/129