Chintiya Mayliana Diaz Putri, and Arum Kusumaningdyah Adiati. “Tracing the Dynamics of Digital Banking in Indonesia: A Review of the Literature”. Al-Kharaj: Journal of Islamic Economic and Business, vol. 8, no. 2, June 2026, doi:10.24256/kharaj.v8i2.10986.