DAKHORI; NAJIB, M.; SUPRIATNA, E.; RIDWAN, A. H. Resistance and Adaptation to Digital Innovation in Islamic Banking: A Study of Practices, Perceptions, and Transformation. TEC EMPRESARIAL, [S. l.], v. 20, n. 2, p. 273–289, 2025. DOI: 10.1229/tecempresarialjournal.v20i2.564. Disponível em: https://revistas.tec-ac.cr/index.php/tec_empresarial/article/view/564. Acesso em: 2 apr. 2026.