THE TRANSFORMATION OF FINANCIAL TECHNOLOGY AND ITS IMPLICATIONS FOR THE DYNAMICS OF ISLAMIC BANKING DEVELOPMENT IN THE SOUTHEAST ASIAN REGION. Journal of Advanced Multidisciplinary Studies, [S. l.], v. 1, n. 3, p. 170–180, 2025. Disponível em: https://jurnal-jams.or.id/index.php/JAMS/article/view/81. Acesso em: 17 dec. 2025.