IBAD, Khairul; AHMAD TIBRIZI SONI WICAKSONO. Uncovering Factors Influencing the Decision to Use Open Islamic Banking in East Java. Al-Kharaj: Journal of Islamic Economic and Business, [S. l.], v. 8, n. 2, 2026. DOI: 10.24256/kharaj.v8i2.10297. Disponível em: http://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/10297. Acesso em: 4 jun. 2026.