Yahsyallah, Ronny Malavia Mardani, and 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.