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Muhibbatul Khoiriyyah, Eka Sutisna and M Gelar Faisal 2025. The Influence of System Security and Sharia Compliance on User Loyalty in Financial Technology Applications. International Journal of Health, Economics, and Social Sciences (IJHESS). 7, 3 (Jul. 2025). DOI:https://doi.org/10.56338/ijhess.v7i3.8128.