Putri AR, Nur Afni Chelya, and Wahyu Dewi Hapsari. “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, vol. 10, no. 02, Sept. 2026, pp. 423-38, doi:10.30868/ad.v10i02.10641.