ZOULIKHA, B. .; HAYAT, N. . . Electronic Payment Systems as a Driver of Digital Transformation in Islamic Banks: An Empirical Analysis Using the Islamic Technology Acceptance Model (ITAM). Journal of Ecohumanism, [S. l.], v. 4, n. 4, p. 3580–3591, 2025. DOI: 10.62754/joe.v4i4.7181. Disponível em: https://ecohumanism.co.uk/joe/ecohumanism/article/view/7181. Acesso em: 12 may. 2026.