Mujiatun, Siti, Hanifa Jasin, Muhammad Fahmi, and Jufrizen Jufrizen. “Model Financial Technology (Fintech) Syariah Di Sumatera Utara”. Owner : Riset dan Jurnal Akuntansi 6, no. 3 (July 1, 2022): 2830-2839. Accessed April 24, 2026. https://www.owner.polgan.ac.id/index.php/owner/article/view/893.