Yusiresita Pajaria. 2025. “The Obstacles and Challenges of Islamic Banking Inclusion in Banking Digitalization in the Era of Financial Technology (Fintech)”. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah 10 (1). https://doi.org/10.30651/jms.v10i1.25083.