KHOIRUL SHOLIKIN, M.; MANGIFERA, L. Implikasi Penerapan Fintech dan Blockchain Terhadap Profitabilitas Bank : Peran Moderasi Efisiensi keuangan . Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, [S. l.], v. 8, n. 2, p. 1099–1110, 2026. DOI: 10.47467/alkharaj.v8i2.11521. Disponível em: https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/11521. Acesso em: 19 apr. 2026.