Agustin, Rohmi Maulina, 		Hidayanti, Nur Fitri, AND 		Aini, Nur.
" Analysis of the Effect of Technology Implementation and Transaction Costs on the Decision to Use Digital Services of Islamic Banks" <em>JMK (Jurnal Manajemen dan Kewirausahaan)</em> [Online], Volume 11 Number 2 (12 May 2026)