ACHYAR ZEIN; ABDUL HAKIM. Digital Transformation of Islamic Banking in Indonesia: Regulatory Challenges in Promoting Financial Inclusion. Jurnal Cendikia ISNU SU , [S. l.], v. 3, n. 2, p. 342–360, 2026. DOI: 10.70826/jcisnu.v3i2.1956. Disponível em: https://journal.isnu-sumut.org/index.php/jcisnu/article/view/1956. Acesso em: 1 oct. 2026.