1.
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). JoE [Internet]. 2025Dec.28 [cited 2026May12];4(4):3580–3591. Available from: https://ecohumanism.co.uk/joe/ecohumanism/article/view/7181