HARTONO, R. A. Digital Transformation And Financial Inclusion In Islamic Economics: Ethical Challenges And Policy Implication. SHACRAL: Shari’ah Economics Review Journal, [S. l.], v. 1, n. 2, p. 64–79, 2024. DOI: 10.62952/shacral.v1i2.55. Disponível em: https://samsonjournal.com/index.php/SHACRAL/article/view/55. Acesso em: 31 jan. 2026.