The Role of Fintech in Enhancing the Efficiency of Islamic Banking Opportunities and Challenges Final: https://doi.org/10.5281/zenodo.18667651. Advance Journal of Econometrics and Finance, [S. l.], v. 4, n. 1, p. 293–299, 2026. Disponível em: http://ajeaf.com/index.php/Journal/article/view/209. Acesso em: 16 apr. 2026.