Putri AR, Nur Afni Chelya, and Wahyu Dewi Hapsari. 2026. “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 10 (02):423-38. https://doi.org/10.30868/ad.v10i02.10641.