Permana, Bryan Pandu. “Redefining Saving Structures in Banking and E-Money: Moving Beyond Qard and wadi’ah towards Amanah Tasharrufiyyah (authorized Trust)”. Communications in Humanities and Social Sciences 6, no. 1 (September 17, 2026): 13–24. Accessed September 19, 2026. https://chss.kipmi.or.id/journal/article/view/127.