Yahsyallah, Ronny Malavia Mardani, & Nurhidayah. (2025). Mediation Analysis, Moderation of Digital Transformation and Fintech Adoption and the Role of Financial Literacy in Improving Sustainable Performance. Al-Kharaj: Journal of Islamic Economic and Business, 7(3). https://doi.org/10.24256/kharaj.v7i3.7766