Abdull Manaf, Azwina Wati, Wong Hua Siong, Norazuan Amiruddin, and Hafiza Abdul Razak. “Challenges And Opportunities Of Islamic Digital Banks In Malaysia”. al-Qanatir: International Journal of Islamic Studies 30, no. 2 (June 1, 2023): 275–282. Accessed April 30, 2026. https://al-qanatir.com/aq/article/view/681.