Mohamad, S. N. A., Abd Latib, N. A., Abdul Hamid, M. H., Abdul Razak, M. Z., & Hayati, N. R. (2026). Bridging technology and ethics: Trust formation in AI-driven Islamic FinTech. Journal of Islamic, Social, Economics and Development, 11(87), 654–668. https://doi.org/10.55573/JISED.118744