khoir, Zalifatul. “Ekonomi Perbankan Digital: Transformasi Layanan Keuangan Di Era Teknologi”. Maliki Interdisciplinary Journal 3, no. 6 (June 24, 2025): 996-1002. Accessed February 13, 2026. https://urj.uin-malang.ac.id/index.php/mij/article/view/17006.