BEN GHARBI, Houria. DIGITAL ISLAMIC FINANCE IN INDONESIA: CHALLENGES AND OPPORTUNITIES FROM A PUBLIC POLICY PERSPECTIVE. International Journal of Islamic Economics and Finance Research, [S. l.], v. 8, n. 2 December, p. 212–227, 2025. DOI: 10.53840/ijiefer237. Disponível em: https://ijiefer.uis.edu.my/ircief/article/view/237. Acesso em: 4 aug. 2026.