Wahyuni, Desi, and Dwi Sakti Muhamad Huda. “Sharia Governance Management in Improving the Competitiveness of the Islamic Banking Industry in the Digital Era”. Jurnal Ilmiah Widya Borneo 8, no. 1 (July 1, 2025): 53–63. Accessed September 19, 2026. https://mail.widyaborneo-bdkbanjarmasin.org/index.php/widyaborneo/article/view/350.