I Muhammad, N., Yetty, Y., Suar, A., & Zainuddin, Z. (2024). Driving Factors Behind the Issuance and Use of Islamic Credit Cards in Indonesia: The Role of Consumerism. Owner : Riset Dan Jurnal Akuntansi, 8(4), 4729-4788. https://doi.org/10.33395/owner.v8i4.2409