Ibad, khairul, and 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 8, no. 2 (June 3, 2026). Accessed July 26, 2026. https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/10297.