PRATAMA, Raihan Arlingga.
 The Advancement of Islamic Financial Systems in Indonesia and Malaysia through the Use of Financial Technology as an Indicator: A Literature Study.
<strong>Journal of International Islamic Business Studies</strong>, [S.l.], v. 2, n. 2, p. 68-76, sep. 2025.
ISSN 3109-2209.
Available at: &lt;<a href="https://jos.unsoed.ac.id/index.php/jiibs/article/view/19292" target="_new">https://jos.unsoed.ac.id/index.php/jiibs/article/view/19292</a>&gt;. Date accessed: 21 mar. 2026.
doi: <a href="https://doi.org/10.32424/jiibs.v2i2.19292">https://doi.org/10.32424/jiibs.v2i2.19292</a>.