“The Role of Fintech in Enhancing the Efficiency of Islamic Banking Opportunities and Challenges Final: https://doi.org/10.5281/zenodo.18667651” (2026) Advance Journal of Econometrics and Finance, 4(1), pp. 293–299. Available at: http://ajeaf.com/index.php/Journal/article/view/209 (Accessed: 16 April 2026).