Harfian, Muhammad, Euis Amalia, Ade Ananto Terminanto, Sofyan Rizal, Roikhan Mochamad Aziz, and Febriansyah Febriansyah. 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), 2380-92. https://doi.org/10.31538/iijse.v9i1.8627.