Wahyudi, Tri, Mohd Hafiz Bin Bakar, and Nurhayati Soleha. “Digital Transformation, Intellectual Capital, and Sharia Compliance in Indonesian Islamic Banking”. Journal of Islamic Law on Digital Economy and Business 1, no. 2 (February 27, 2026): 182–201. Accessed March 10, 2026. https://journal.uii.ac.id/JILDEB/article/view/46792.