Haris , B. ., Haron, R. ., Hasan, A. ., & Yusuf, M. Y. . (2026). Key Factors Driving Retail Investors to Embrace Islamic FinTech-SOTS (Shariah Online Trading System) in Indonesian Islamic Capital Market. Journal of Islamic Finance, 15(2), 15–40. https://doi.org/10.31436/jif.v15i2.1136