Arzeqi, M. D. ., & Mustafidah, W. . (2025). Strategic Adoption of Sharia Fintech for BMT Business Competitiveness: Penerapan Strategis Fintech Syariah untuk Meningkatkan Daya Saing Bisnis BMT. Academia Open, 10(2), 10.21070/acopen.10.2025.11793. https://doi.org/10.21070/acopen.10.2025.11793