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Maysarah, Syafiatul Makrifah, Albanjari, Fatkhur Rohman, AND Syakarna, Nugraheni Fitroh R.. " Inclusivity of Financial Technology: Challenges and Opportunities for Indonesian Islamic Banks in Optimizing Financial Management During the Era of Disruption" Proceeding of Annual International Conference on Islamic Economics (AICIE) [Online], Volume 3 Number 1 (13 September 2024)