Rizkiya Khalila and Umaira (2026) “DIGITAL TRANSFORMATION IN ISLAMIC BANKING: A STRUCTURAL EQUATION MODELING APPROACH TO USER ADOPTION OF SHARIAH-COMPLIANT FINTECH SERVICES”, Mukhtasab: Journal of Economics and Islamic Business, 2(3), pp. 194–204. doi: 10.65802/mukhtasab.v2i3.240.