Sari, N. 2025. Islamic Fintech and Digital Banking Adoption: A Systematic Review of Established Models of Fintech Adoption and Their Influence on Sharia Financial Inclusion and Performance. IHTIYATH : Jurnal Manajemen Keuangan Syariah. 9, 1 (Aug. 2025), 73-90. DOI:https://doi.org/10.32505/ihtiyath.v9i2.11684.