Putri, E.T. and Mursid, M.C. 2026. Synergy and Disruption: An Analysis of Fintech’s Role in Digital Innovation and Increasing the Profitability of the National Banking Industry. Journal of Islamic Economics Management and Business (JIEMB). 8, 1 (Apr. 2026), 94–114. DOI:https://doi.org/10.21580/jiemb.2026.8.1.29979.