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Hussin, Nurul Liyana, Muhamad Hasif Yahaya, and Wan Noor Hazlina Wan Jusoh. “BEYOND RELIGIOSITY: A NARRATIVE REVIEW OF THE MULTIFACETED FACTORS INFLUENCING ISLAMIC FINTECH ADOPTION IN SOUTHEAST ASIA”. Jurnal ’Ulwan 10, no. 2 (December 24, 2025): 190–204. Accessed March 17, 2026. https://ejournal.unimel.edu.my/index.php/JULWAN/article/view/2064.