Hidayat, R., Syafirah , A. . and Yuniar, A. . (2025) “Digital Transformation of Islamic Financial Institutions: Opportunities and Challenges in Reaching Unbanked Communities”, Jurnal Ilmu Perbankan dan Keuangan Syariah, 7(1), pp. 126–143. doi: 10.24239/jipsya.v7i1.321.126-143.