Decision to Use Islamic Banking: The Role of Islamic Financial Literacy, Religiosity, and Motivation. Proceeding International Conference on Economic and Social Sciences, [S. l.], v. 1, p. 175–187, 2024. Disponível em: https://icess.uin-suska.ac.id/index.php/1/article/view/69. Acesso em: 6 dec. 2025.