“The Evolution of Sharia Fintech Contracts: A Systematic Review of Islamic Banking Ecosystem Integration in Indonesia (2020–2025)”. Syaikhuna: Jurnal Pendidikan Dan Pranata Islam, vol. 17, no. 01, Maret 2026, hlm. 89-107, https://doi.org/10.62730/syaikhuna.v17i01.7861.