id	keyword
ejif-10239	islamic
ejif-10239	fintech
ejif-10239	banking
ejif-10239	finance
ejif-10239	effect
ejif-10239	fadi
ejif-10239	journal
ejif-10239	industry
ejif-10239	islamic finance
ejif-10239	butterfly
ejif-10239	adoption
ejif-10239	economic
ejif-10239	et al
ejif-10239	system
ejif-10239	international
ejif-10239	market
ejif-10239	technology
ejif-10239	services
ejif-10239	variables