EFENDI, R. .; TRIHANTANA, R. .; MURSYIDAH, A. ANALYSIS OF THE IMPACT OF SHARIA FINANCIAL TECHNOLOGY (FINTECH) AND DIGITAL BANKING ON CHANGES IN CONSUMER BEHAVIOR IN INDONESIA. SAHID BANKING JOURNAL, [S. l.], v. 4, n. 2, p. 139–156, 2025. DOI: 10.56406/sahidbankingjournal.v4i2.260. Disponível em: https://jurnal.febi-inais.ac.id/index.php/SahidBankingJ/article/view/260. Acesso em: 14 nov. 2026.