DINI WAHYUNI; ABDUL MUN'IM. Digital Transformation In Islamic Pawn Services: User Experiences of Pegadaian Syariah Digital Service at Ahmad Yani Branch, Jember. Kartika: Jurnal Studi Keislaman, [S. l.], v. 6, n. 2, p. 3204–3215, 2026. DOI: 10.59240/kjsk.v6i2.1004. Disponível em: https://lptnunganjuk.com/ojs/index.php/kartika/article/view/1004. Acesso em: 19 aug. 2026.