Suharna, D., Apollo, Siswanti, I., & Pramudena, S. M. (2026). Digital Transformation, Financing Risk, and Islamic Intellectual Capital: A Governance-Based Model of Sustainable Islamic Banking. TEC EMPRESARIAL, 21(1), 565–591. Retrieved from https://revistas.tec-ac.cr/index.php/tec_empresarial/article/view/801