lestari, Ayu Gumilang, Layaman, and Dendy Novandi. 2026. “Islamic Fintech Opportunities and Challenges in Advancing Financial Inclusion Among Muslim Communities in Indonesia”. Maro: Jurnal Ekonomi Syariah Dan Bisnis 9 (1):152-66. https://doi.org/10.31949/maro.v9i1.18980.