MARDHIYAH GULTOM; NOVIEN RIALDY. ANALYSIS OF OPPORTUNITIES AND CHALLENGES IN THE DEVELOPMENT OF SHARIA FINTECH IN INDONESIA 2020 – 2025. Interdisciplinary Journal of Global and Multidisciplinary, [S. l.], v. 2, n. 1, p. 501–509, 2026. Disponível em: https://jurnal-ijgam.or.id/index.php/IJGAM/article/view/129. Acesso em: 28 jan. 2026.