HIDAYAT, Rahmat; SYAFIRAH , Aulia; YUNIAR, Ashey. Digital Transformation of Islamic Financial Institutions: Opportunities and Challenges in Reaching Unbanked Communities. Jurnal Ilmu Perbankan dan Keuangan Syariah, [S. l.], v. 7, n. 1, p. 126–143, 2025. DOI: 10.24239/jipsya.v7i1.321.126-143. Disponível em: https://jurnaljipsya.org/index.php/jipsya/article/view/321. Acesso em: 18 apr. 2026.