Putri AR NAC, Dewi Hapsari W. 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. j. e. b. islm. [Internet]. 2026 Sep. 30 [cited 2026 Oct. 30];10(02):423-38. Available from: https://jurnal.staialhidayahbogor.ac.id/index.php/ad/article/view/10641