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Hussin, Nurul Liyana, et al. “BEYOND RELIGIOSITY: A NARRATIVE REVIEW OF THE MULTIFACETED FACTORS INFLUENCING ISLAMIC FINTECH ADOPTION IN SOUTHEAST ASIA”. Jurnal ’Ulwan, vol. 10, no. 2, Dec. 2025, pp. 190-04, https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/2064.