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N. L. Hussin, M. H. Yahaya, and W. N. H. Wan Jusoh, “BEYOND RELIGIOSITY: A NARRATIVE REVIEW OF THE MULTIFACETED FACTORS INFLUENCING ISLAMIC FINTECH ADOPTION IN SOUTHEAST ASIA”, ULWAN, vol. 10, no. 2, pp. 190–204, Dec. 2025, Accessed: Mar. 17, 2026. [Online]. Available: https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/2064