Ella Annissa, and Ismail Nura. “Digital Transformation In Islamic Banking: A Systematic Literature Review Of Opportunities, Challenges, And Research Agendas”. Journal of Creative Power and Ambition (JCPA), vol. 4, no. 01, Apr. 2026, pp. 750-8, https://edujavare.com/index.php/jcpa/article/view/20.