Darmansyah, D., Nugroho, A., Zulkifli, Z., Wulandari, W., & Sari, R. (2026). The Integration of Fintech and Artificial Intelligence: Accelerating Accountability and Financial Inclusion in National Financial Governance. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 7(5), 3864–3879. https://doi.org/10.47467/elmal.v7i5.11933