WAHYUDI, Muhammad Arifky. Implementasi enterprise risk management (erm) dalam mengelola risiko digital di perbankan syariah era industri 4.0. Maliki Interdisciplinary Journal, [S. l.], v. 3, n. 12, p. 1962–1972, 2025. Disponível em: https://urj.uin-malang.ac.id/index.php/mij/article/view/15780. Acesso em: 22 aug. 2026.