Rasyid, Abdul, and Yudi Zatnika. “Financial Innovation and Sharia Governance: An Empirical Study of Cryptocurrencies and Traditional Banking Risk–Return Dynamics in Indonesia”. Al Urwah : Sharia Economics Journal 3, no. 1 (October 18, 2025): 36–53. Accessed January 15, 2026. https://journal.takaza.id/index.php/alurwah/article/view/311.