SUHARNA, D.; APOLLO; SISWANTI, I.; PRAMUDENA, S. M. Digital Transformation, Financing Risk, and Islamic Intellectual Capital: A Governance-Based Model of Sustainable Islamic Banking. TEC EMPRESARIAL, [S. l.], v. 21, n. 1, p. 565–591, 2026. Disponível em: https://revistas.tec-ac.cr/index.php/tec_empresarial/article/view/801. Acesso em: 2 may. 2026.