Yulfiswandi, Licca, V. and Hesniati 2026. Faith and Finance: How Religiosity Shapes Islamic Fintech Adoption in Indonesia. Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit. 13, 1 (Mar. 2026), 102–125. DOI:https://doi.org/10.12928/jreksa.v13i1.14680.