Agustin, Rohmi Maulina, 		Hidayanti, Nur Fitri, AND 		Aini, Nur.
" Determinants of The Use of Digital Service at Islamic Banks: The Role of Technology and Transaction Costs" <em>JMK (Jurnal Manajemen dan Kewirausahaan)</em> [Online], Volume 11 Number 2 (12 May 2026)