KHAN, D. M. S. .; KHOSO, P. D. A. A. .; KHAN, D. A. R. . Transformation of Financial Performance in Islamic Banking through Digital Transformation and Smart Services. Al Khadim Research Journal of Islamic Culture and Civilization, [S. l.], v. 5, n. 3, p. 66–89, 2024. Disponível em: http://arjicc.com/index.php/arjicc/article/view/448. Acesso em: 30 dec. 2025.