ZUL, Z. DIGITAL TRANSFORMATION OF ISLAMIC BANKING IN INDONESIA: ANALYZING OPPORTUNITIES, CHALLENGES, AND STRATEGIES FOR ENHANCING COMPETITIVENESS IN THE DIGITAL ECONOMY ERA. SHACRAL: Shari’ah Economics Review Journal, [S. l.], v. 4, n. 2, 2026. DOI: 10.62952/shacral.v4i2.124. Disponível em: https://samsonjournal.com/index.php/SHACRAL/article/view/124. Acesso em: 10 oct. 2026.