PUTRI AR, Nur Afni Chelya; DEWI HAPSARI, Wahyu. THE EFFECT OF ISLAMIC FINANCIAL LITERACY, DIGITAL LITERACY, AND PERCEIVED RISK ON SHARIA MOBILE BANKING FOR DIGITAL PAYMENTS: A STUDY OF ACCOUNTING STUDENTS IN THE DIY. Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam, [S. l.], v. 10, n. 02, p. 423–438, 2026. DOI: 10.30868/ad.v10i02.10641. Disponível em: https://jurnal.staialhidayahbogor.ac.id/index.php/ad/article/view/10641. Acesso em: 30 oct. 2026.