Harfian, M., Amalia, E., Terminanto, A.A., Rizal, S., Aziz, R.M. and Febriansyah, F. 2026. Analysis Indonesian Sharia Banks’ Readiness to Face the Evolution of Financial Technology-Based Sharia Financial Services in Indonesia. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE). 9, 1 (Jan. 2026), 2380-2392. DOI:https://doi.org/10.31538/iijse.v9i1.8627.