Putri, E. T., & 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), 94–114. https://doi.org/10.21580/jiemb.2026.8.1.29979