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). https://doi.org/10.56338/ijhess.v7i3.8128.