How to cite this paper
Mbaidin, H. (2024). The dynamic role of the Internet of Things (IoT) on the excel performance of Islamic banks in United Arab Emirates.Decision Science Letters , 13(2), 261-286.
Refrences
Agiwal, M., Saxena, N., & Roy, A. (2019). Towards Connected Living: 5G Enabled Internet of Things (IoT). IETE Technical Review, 36(2), 190–202. https://doi.org/10.1080/02564602.2018.1444516
Agriesti, S. A. M., Studer, L., Marchionni, G., Gandini, P., & Qu, X. (2020). Roadworks Warning—Closure of a Lane, the Impact of C-ITS Messages. Infrastructures, 5(3), 27. https://doi.org/10.3390/infrastructures5030027
Ahmad, A. F., Sayeed, M. S., Tan, C. P., Tan, K. G., Bari, M. A., & Hossain, F. (2021). A Review on IoT with Big Data Analytics. In 2021 9th International Conference on Information and Communication Technology (ICoICT) (pp. 160–164). IEEE. https://doi.org/10.1109/ICoICT52021.2021.9527503
Alam, N., Gupta, L., & Zameni, A. (2019). Fintech and Islamic finance: Digitalization, development and disruption. Palgrave Macmillan. https://doi.org/10.1007/978-3-030-24666-2
Alam, T. (2022). Blockchain-Enabled Deep Reinforcement Learning Approach for Performance Optimization on the Internet of Things. Wireless Personal Communications, 126(2), 995–1011. https://doi.org/10.1007/s11277-022-09780-1
Al-Ansari, K. A., & Aysan, A. F. (2022). Central Bank Digital Currencies, Internet of Things, and Islamic Finance: Blockchain Prospects and Challenges[Monnaies numériques des banques centrales, Internet des objets et finance islamique : perspectives et défis de la blockchain]. Post-Print. https://ideas.repec.org/p/hal/journl/hal-03688607.html
Albrecht, W. S., Albrecht, C., & Albrecht, C. C. (2008). Current Trends in Fraud and its Detection. Information Security Journal: A Global Perspective, 17(1), 2–12. https://doi.org/10.1080/19393550801934331
Alqahtani, M. (2022). Iot Within the Saudi Healthcare Industry During Covid-19. International Conference on Emerging Technologies and Intelligent Systems, ICETIS 2021, 469–483. https://pesquisa.bvsalud.org/global-literature-on-novel-coronavirus-2019-ncov/resource/pt/covidwho-1391779
Alshubiri, F., & Al Ani, M. K. (2023). Financing and returns of Shari’ah-compliant contracts and sustainable investing in the Islamic banking of Oman. Economic Change and Restructuring, 56(4), 2455–2491. https://doi.org/10.1007/s10644-023-09522-8
Amilahaq, F., Wijayanti, P., Mohd Nasir, N. E., & Ahmad, S. (2021). Digital Platform of Zakat Management Organization for Young Adults in Indonesia. In (pp. 454–462). Springer, Cham. https://doi.org/10.1007/978-3-030-50454-0_46
Arena, F., Pau, G., & Severino, A. (2020). An Overview on the Current Status and Future Perspectives of Smart Cars. Infrastructures, 5(7), 53. https://doi.org/10.3390/infrastructures5070053
Atalla, S., Tarapiah, S., Gawanmeh, A., Daradkeh, M., Mukhtar, H., Himeur, Y., Mansoor, W., Hashim, K. F. B., & Daadoo, M. (2023). IoT-Enabled Precision Agriculture: Developing an Ecosystem for Optimized Crop Management. Information, 14(4), 205. https://doi.org/10.3390/info14040205
Aziz, L. A. R., & Andriansyah, Y. (2023). The Role Artificial Intelligence in Modern Banking: An Exploration of AI-Driven Approaches for Enhanced Fraud Prevention, Risk Management, and Regulatory Compliance. Reviews of Contemporary Business Analytics, 6(1), 110–132. https://researchberg.com/index.php/rcba/article/view/153
Bagana, B. D., Irsad, M., & Santoso, I. H. (2021). Artificial intelligence as a human substitution? customer’s perception of the conversational user interface in banking industry based on utaut concept. Review of Management and Entrepreneurship, 5(1), 33–44. https://doi.org/10.37715/rme.v5i1.1632
Bansal, M [M.], Nanda, M., & Husain, M. N. (2021). Security and privacy Aspects for Internet of Things (IoT). In 2021 6th International Conference on Inventive Computation Technologies (ICICT).
Bansal, M [Malti], Oberoi, N., & Sameer, M. (2020). IoT in Online Banking. Journal of Ubiquitous Computing and Communication Technologies, 2(4), 219–222. https://doi.org/10.36548/jucct.2020.4.005
Bhat, J. R., AlQahtani, S. A., & Nekovee, M. (2023). FinTech enablers, use cases, and role of future internet of things. Journal of King Saud University - Computer and Information Sciences, 35(1), 87–101. https://doi.org/10.1016/j.jksuci.2022.08.033
Birkel, H. S., & Hartmann, E. (2020). Internet of Things – the future of managing supply chain risks. Supply Chain Management: An International Journal, 25(5), 535–548. https://doi.org/10.1108/SCM-09-2019-0356
Bisht, D., Singh, R., Gehlot, A., Akram, S. V., Singh, A., Montero, E. C., Priyadarshi, N., & Twala, B. (2022). Imperative Role of Integrating Digitalization in the Firms Finance: A Technological Perspective. Electronics, 11(19), 3252. https://doi.org/10.3390/electronics11193252
Bodemer, O. (2023). Transforming the Insurance Industry with Blockchain and Smart Contracts: Enhancing Efficiency, Transparency, and Trust. TechRxiv. Advance online publication. https://doi.org/10.36227/techrxiv.24006237.v1
Boukhatem, J., & Ben Moussa, F. (2018). The effect of Islamic banks on GDP growth: Some evidence from selected MENA countries. Borsa Istanbul Review, 18(3), 231–247. https://doi.org/10.1016/j.bir.2017.11.004
Brusseau, J. (2023). AI human impact: toward a model for ethical investing in AI-intensive companies. Journal of Sustainable Finance & Investment, 13(2), 1030–1057. https://doi.org/10.1080/20430795.2021.1874212
Budida, D. A. M., & Mangrulkar, R. S. (2017). Design and implementation of smart HealthCare system using IoT. In 2017 International Conference on Innovations in Information, Embedded and Communication Systems (ICIIECS).
Cahyaningtyas, E. F., & Fauza, N. (2023). DIGITAL ISLAMIC NETWORK: BUILDING EXCELENT SERVICE FOR CUSTOMERS AT BANK MUAMALAT TULUNGAGUNG IN THE DIGITAL ERA. An-Nisbah: Jurnal Ekonomi Syariah, 10(1), 170–186. https://doi.org/10.21274/an.v10i1.7590
Chen, M., Miao, Y., Hao, Y., & Hwang, K. (2017). Narrow Band Internet of Things. IEEE Access, 5, 20557–20577. https://doi.org/10.1109/ACCESS.2017.2751586
Chen, K., Zhang, S., Li, Z., Zhang, Y., Deng, Q., Ray, S., & Jin, Y. (2018). Internet-of-Things Security and Vulnerabilities: Taxonomy, Challenges, and Practice. Journal of Hardware and Systems Security, 2(2), 97–110. https://doi.org/10.1007/s41635-017-0029-7
Chilwan, A. (22-May-2023). The best Islamic bank in the Middle East 2023: Dubai Islamic Bank. Euromoney. https://www.euromoney.com/article/2bju1iuic0ceyuy2qhwcg/awards/the-best-islamic-bank-in-the-middle-east-2023-dubai-islamic-bank
Chin, J., Callaghan, V., & Allouch, S. B. (2019). The Internet-of-Things: Reflections on the past, present and future from a user-centered and smart environment perspective. Journal of Ambient Intelligence and Smart Environments, 11(1), 45–69. https://doi.org/10.3233/AIS-180506
Chong, B. S., & Liu, M. H. (2009). Islamic banking: Interest-free or interest-based? Pacific-Basin Finance Journal, 17(1), 125–144. https://doi.org/10.1016/j.pacfin.2007.12.003
Cressey, D. R. (1973). Other people’s money;: A study in the social psychology of embezzlement. Patterson Smith series in criminology, law enforcement & social problems, publication: no. 202. Patterson Smith.
Dash, G., & Paul, J. (2021). CB-SEM vs PLS-SEM methods for research in social sciences and technology forecasting. Technological Forecasting and Social Change, 173, 121092. https://doi.org/10.1016/j.techfore.2021.121092
Dayyabu, Y. Y., Arumugam, D., & Balasingam, S. (2023). The application of artificial intelligence techniques in credit card fraud detection: a quantitative study. E3S Web of Conferences, 389, 7023. https://doi.org/10.1051/e3sconf/202338907023
Dubai Islamic Bank. (2023). Vision, Purpose & Values | About Us | Dubai Islamic Bank. https://www.dib.ae/about-us/vision-and-mission
Elijah, O., Rahman, T. A., Orikumhi, I., Leow, C. Y., & Hindia, M. N. (2018). An Overview of Internet of Things (IoT) and Data Analytics in Agriculture: Benefits and Challenges. IEEE Internet of Things Journal, 5(5), 3758–3773. https://doi.org/10.1109/JIOT.2018.2844296
Eltresy, N. A., Dardeer, O. M., Al-Habal, A., Elhariri, E., Abotaleb, A. M., Elsheakh, D. N., Khattab, A., Taie, S. A., Mostafa, H., Elsadek, H. A., & Abdallah, E. A. (2020). Smart Home IoT System by Using RF Energy Harvesting. Journal of Sensors, 2020, 1–14. https://doi.org/10.1155/2020/8828479
Emirates Islamic. (2021). Emirates Islamic Annual Reports 2021. https://www.emiratesislamic.ae/eng/financial-information/annual-reports/
ENNAFIRI, M., CHARAF, H. M. E., & MADI, A. A. (2023). Towards Secure Transactions with IoT: An Advanced Smart Payment Solution. In 2023 3rd International Conference on Innovative Research in Applied Science, Engineering and Technology (IRASET).
Farhan, L., Alissa, A., Abdulsalam, M., Quiroz-Castellanos, M., Kaiwartya, O., & Kharel, R. (2018). A Concise Review on Internet of Things (IoT) -Problems, Challenges and Opportunities. In 2018 11th International Symposium on Communication Systems, Networks & Digital Signal Processing (CSNDSP).
Fernando, Y., Chiappetta Jabbour, C. J., & Wah, W. X. (2019). Pursuing green growth in technology firms through the connections between environmental innovation and sustainable business performance: Does service capability matter? Resources, Conservation and Recycling, 141, 8–20. https://doi.org/10.1016/j.resconrec.2018.09.031
Gannavaram, V. T. K., Kandhikonda, U. M., Bejgam, R., Keshipeddi, S. B., & Sunkari, S. (2021). A Brief Review on Internet of Things (IoT). In 2021 International Conference on Computer Communication and Informatics (ICCCI) (pp. 1–6). IEEE. https://doi.org/10.1109/ICCCI50826.2021.9451163
Gąsiorkiewicz, L., & Monkiewicz, J. (Eds.). (2022). Routledge international studies in money and banking. Digital Finance And The Future Of The Global Financial System: Disruption and innovation in financial services. Routledge. https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&db=nlabk&AN=3323491
Geng, H. (Ed.). (2017). Internet of things and data analytics handbook. Wiley. https://onlinelibrary.wiley.com/doi/book/10.1002/9781119173601 https://doi.org/10.1002/9781119173601
Haqqi, A. R. A. (2020). Strengthening Islamic Finance in South-East Asia Through Innovation of Islamic FinTech in Brunei Darussalam. In P. Ordóñez de Pablos, M. N. Almunawar, & M. Abduh (Eds.), Advances in Finance, Accounting, and Economics. Economics, business, and Islamic finance in ASEAN economics community (pp. 202–226). IGI Global. https://doi.org/10.4018/978-1-7998-2257-8.ch010
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial Least Squares Structural Equation Modeling(Pls-Sem) Using R: A. Springer Nature. https://doi.org/10.1007/978-3-030-80519-7
Hassan, M. K., Rabbani, M. R., & Mohd. Ali, M. A. (2020). Challenges for the islamic finance and banking in post COVID era and the role of Fintech. Journal of Economic Cooperation and Development, 93–116. https://pesquisa.bvsalud.org/global-literature-on-novel-coronavirus-2019-ncov/resource/pt/covidwho-1102922
Hassan, Q. F., Khan, A. u. R., & Madani, S. A. (2018). INTERNET OF THINGS: Challenges, advances, and applications. CRC PRESS.
Hidajat, T. (2020). Financial Technology in Islamic View. Perisai : Islamic Banking and Finance Journal, 4(2), 102–112. https://doi.org/10.21070/perisai.v4i2.465
Iqbal, M., & Molyneux, P. (2005). Thirty Years of Islamic Banking: History, Performance and Prospects. Scholars Portal. https://doi.org/10.1007/978-0-230-50322-9
Iskamto, D., & Juariyah, L. (2023). Blockchain Technology Challenge in the Future: : Data Security and Efficiency. International Journal of Law Policy and Governance, 2(2), 65–76. https://doi.org/10.54099/ijlpg.v2i2.708
Jabbar, a. G. (2023). The role of organizational learning in enhancing the banks’ financial performance: research in iraqi commercial banks [Master Thesis]. Karabuk University, Iraqi.
Jamaruddin, W. N., & Markom, R. (2020). The Application of Fintech in The Operation of Islamic Banking Focussing on Islamic Documentation: Post-COVID-19. INSLA E-Proceedings, 3(1), 31–43. https://insla.usim.edu.my/index.php/eproceeding/article/view/16
Jalloul, S. (2021). THE IMPACT OF ISLAMIC BANKING AND FINANCIAL PERFORMANCE: THE CASE OF DUBAI ISLAMIC BANK. The EUrASEANs: Journal on Global Socio-Economic Dynamics(5(30)), 60–70. https://doi.org/10.35678/2539-5645.5(30).2021.60-70
Javaid, M., Haleem, A., Singh, R. P., Suman, R., & Gonzalez, E. S. (2022). Understanding the adoption of Industry 4.0 technologies in improving environmental sustainability. Sustainable Operations and Computers, 3, 203–217. https://doi.org/10.1016/j.susoc.2022.01.008
Javaid, M., & Khan, I. H. (2021). Internet of Things (IoT) enabled healthcare helps to take the challenges of COVID-19 Pandemic. Journal of Oral Biology and Craniofacial Research, 11(2), 209–214. https://doi.org/10.1016/j.jobcr.2021.01.015
Kalyanasundaram, S., Madda, R. B., Chen, C., Patan, R., & Cheelu, D. (2018). Low energy aware communication process in iot using the green computing approach. IET Networks, 7(4), 258-264. https://doi.org/10.1049/iet-net.2017.0105
Kamdzhalov, M. (2020). Islamic Finance and the New Technology Challenges. Advance online publication. https://doi.org/10.13135/2421-2172/3813 (European Journal of Islamic Finance, First Special Issue for EJIF Workshop).
Kaur, K., Verma, S., & Bansal, A. (2021). IOT Big Data Analytics in Healthcare: Benefits and Challenges. In 2021 6th International Conference on Signal Processing, Computing and Control (ISPCC) (pp. 176–181). IEEE. https://doi.org/10.1109/ISPCC53510.2021.9609501
Kaur, R., Raina, B. L., & Sharma, A. (2020). Internet of Things: Architecture, Applications, and Security Concerns. Journal of Computational and Theoretical Nanoscience, 17(6), 2468–2474. https://doi.org/10.1166/jctn.2020.8917
Khajenasiri, I., Estebsari, A., Verhelst, M., & Gielen, G. (2017). A Review on Internet of Things Solutions for Intelligent Energy Control in Buildings for Smart City Applications. Energy Procedia, 111, 770–779. https://doi.org/10.1016/j.egypro.2017.03.239
Khan, M. M., & Bhatti, I. M. (2008). Islamic banking and finance: On its way to globalization. Managerial Finance, 34(10), 708–725. https://doi.org/10.1108/03074350810891029
Khan, W. Z., Aalsalem, M. Y., & Khan, M. K. (2019). Communal Acts of IoT Consumers: A Potential Threat to Security and Privacy. IEEE Transactions on Consumer Electronics, 65(1), 64–72. https://doi.org/10.1109/TCE.2018.2880338
Khanboubi, F., Boulmakoul, A., & Tabaa, M. (2019). Impact of digital trends using IoT on banking processes. Procedia Computer Science, 151, 77–84. https://doi.org/10.1016/j.procs.2019.04.014
Khattak, M. A., & Khan, N. A. (2023). ISLAMIC FINANCE, GROWTH, AND VOLATILITY: A FRESH EVIDENCE FROM 82 COUNTRIES. Journal of Islamic Monetary Economics and Finance, 9(1). https://doi.org/10.21098/jimf.v9i1.1625
Kotb Abdelrahman Radwan, E., Omar, N., & Hussainey, K. (2023). Social responsibility of Islamic banks in developing countries: empirical evidence from Egypt. Journal of Sustainable Finance & Investment, 13(3), 1334–1353. https://doi.org/10.1080/20430795.2021.1949890
Kshetri, N. (2008). 12 - Chinese technology enterprises in developing countries: sources of strategic fit and institutional legitimacy. In N. Kshetri (Ed.), The Rapidly Transforming Chinese High-Technology Industry and Market (pp. 181–200). Chandos Publishing. https://doi.org/10.1016/B978-1-84334-464-3.50012-X
Kumar, N. M., & Mallick, P. K. (2018). The Internet of Things: Insights into the building blocks, component interactions, and architecture layers. Procedia Computer Science, 132, 109–117. https://doi.org/10.1016/j.procs.2018.05.170
Kumar, S., Tiwari, P., & Zymbler, M. (2019). Internet of Things is a revolutionary approach for future technology enhancement: A review. Journal of Big Data, 6(1), 1–21. https://doi.org/10.1186/s40537-019-0268-2
Li, D. (2019). 5g and intelligence medicine-how the next generation of wireless technology will reconstruct healthcare? Precision Clinical Medicine, 2(4), 205–208. https://doi.org/10.1093/pcmedi/pbz020
Li, J., Maiti, A., & Fei, J. (2023). Features and Scope of Regulatory Technologies: Challenges and Opportunities with Industrial Internet of Things. Future Internet, 15(8), 256. https://doi.org/10.3390/fi15080256
Li, S., Da Xu, L., & Zhao, S. (2018). 5G Internet of Things: A survey. Journal of Industrial Information Integration, 10, 1–9. https://doi.org/10.1016/j.jii.2018.01.005
Liang, Y., & Liang, W. (2023). ResWCAE: Biometric Pattern Image Denoising Using Residual Wavelet-Conditioned Autoencoder. https://arxiv.org/pdf/2307.12255.pdf
Marjani, M., Nasaruddin, F., Gani, A., Karim, A., Hashem, I. A. T., Siddiqa, A., & Yaqoob, I. (2017). Big IoT Data Analytics: Architecture, Opportunities, and Open Research Challenges. IEEE Access, 5, 5247–5261. https://doi.org/10.1109/ACCESS.2017.2689040
Melnychenko, S., Volosovych, S., & Baraniuk, Y. (2020). Dominant Ideas Of Financial Technologies In Digital Banking. Baltic Journal of Economic Studies, 6(1), 92. https://doi.org/10.30525/2256-0742/2020-6-1-92-99
Menarini, M., Marrancone, P., Cecchini, G., Bazzi, A., Masini, B. M., & Zanella, A. (2019). TRUDI: Testing Environment for Vehicular Applications Running with Devices in the Loop. In 2019 IEEE International Conference on Connected Vehicles and Expo (ICCVE) (pp. 1–6). IEEE. https://doi.org/10.1109/ICCVE45908.2019.8965152
Mikalef, P., Pappas, I. O., Krogstie, J., & Giannakos, M. (2018). Big data analytics capabilities: A systematic literature review and research agenda. Information Systems and E-Business Management, 16(3), 547–578. https://doi.org/10.1007/s10257-017-0362-y
Monsone, C. R., & Jósvai, J. (2019). Challenges of Digital Twin System. Acta Technica Jaurinensis, 12(3), 252–267. https://doi.org/10.14513/actatechjaur.v12.n3.514
Munirathinam, S. (2020). Chapter Six - Industry 4.0: Industrial Internet of Things (IIOT). In P. Raj & P. Evangeline (Eds.), Advances in Computers : The Digital Twin Paradigm for Smarter Systems and Environments: The Industry Use Cases (Vol. 117, pp. 129–164). Elsevier. https://doi.org/10.1016/bs.adcom.2019.10.010
Nadikattu, R. R. (2020). Research on Data Science, Data Analytics and Big Data. International Journal Of Engineering, 9(5). https://doi.org/10.2139/ssrn.3622844
Nagajayanthi, B. (2022). Decades of Internet of Things Towards Twenty-first Century: A Research-Based Introspective. Wireless Personal Communications, 123(4), 3661–3697. https://doi.org/10.1007/s11277-021-09308-z
Nasereddin, H. H. O., & FAQIR, M. (2019). The impact of internet of things on customer service: A preliminary study. Periodicals of Engineering and Natural Sciences, 7(1), 148. https://doi.org/10.21533/pen.v7i1.406
Noor, M. b. M., & Hassan, W. H. (2019). Current research on Internet of Things (IoT) security: A survey. Computer Networks, 148, 283–294. https://doi.org/10.1016/j.comnet.2018.11.025
Ogando-Martínez, A., Troncoso-Pastoriza, F., Eguía-Oller, P., Granada-Álvarez, E., & Erkoreka, A. (2020). Model Calibration Methodology to Assess the Actual Lighting Conditions of a Road Infrastructure. Infrastructures, 5(1), 2. https://doi.org/10.3390/infrastructures5010002
Ogudo, K. A., Muwawa Jean Nestor, D., Ibrahim Khalaf, O., & Daei Kasmaei, H. (2019). A Device Performance and Data Analytics Concept for Smartphones’ IoT Services and Machine-Type Communication in Cellular Networks. Symmetry, 11(4), 593. https://doi.org/10.3390/sym11040593
Ouaissa, M., & Rhattoy, A. (2019). A Secure Model for Machine to Machine Device Domain Based Group in a Smart City Architecture. International Journal of Intelligent Engineering and Systems, 12(1), 151–164. https://doi.org/10.22266/ijies2019.0228.16
Park, J., Nam, C., & Kim, H. (2019). Exploring the key services and players in the smart car market. Telecommunications Policy, 43(10), 101819. https://doi.org/10.1016/j.telpol.2019.04.003
Perumal, K., & Manohar, M. (2017). A Survey on Internet of Things: Case Studies, Applications, and Future Directions. In D. P. Acharjya & M. K. Geetha (Eds.), Studies in big data. Internet of Things: Novel Advances and Envisioned Applications (Vol. 25, pp. 281–297). Springer International Publishing. https://doi.org/10.1007/978-3-319-53472-5_14
Qureshi, T., Saeed, M., Ahsan, K., Malik, A. A., Muhammad, E. S., & Touheed, N. (2022). Smart Agriculture for Sustainable Food Security Using Internet of Things (IoT). Wireless Communications and Mobile Computing, 2022, 1–10. https://doi.org/10.1155/2022/9608394
RAI, D. (2023). Cryptocurrency Based on Islamic Finance and Basic Cryptocurrency Model Proposed Under Islamic Controls and Standards [MASTER, Karabuk University, KARABUK]. acikerisim.karabuk.edu.tr. http://acikerisim.karabuk.edu.tr:8080/xmlui/handle/123456789/2838
Ramson, S. J., Vishnu, S., & Shanmugam, M. (2020). Applications of Internet of Things (IoT) – An Overview. In 2020 5th International Conference on Devices, Circuits and Systems (ICDCS) (pp. 92–95). IEEE. https://doi.org/10.1109/ICDCS48716.2020.243556
Rawat, A. (2022). Recent Trends in IoT : A review. Journal of Management and Service Science (JMSS), 2(2), 1–12. https://doi.org/10.54060/jmss.v2i2.21
Ray, P. P. (2023). Web3: A comprehensive review on background, technologies, applications, zero-trust architectures, challenges and future directions. Internet of Things and Cyber-Physical Systems, 3, 213–248. https://doi.org/10.1016/j.iotcps.2023.05.003
Rehman, M. u. H., Yaqoob, I., Salah, K., Imran, M., Jayaraman, P. P., & Perera, C. (2019). The role of big data analytics in industrial Internet of Things. Future Generation Computer Systems, 99, 247–259. https://doi.org/10.1016/j.future.2019.04.020
Saba, I., Kouser, R., & Chaudhry, I. S. (2019). Fintech and Islamic Finance-challenges and Opportunities. Review of Economics and Development Studies, 5(4), 581–590. https://doi.org/10.26710/reads.v5i4.887
Salih, K. O. M., Rashid, T. A., Radovanovic, D., & Bacanin, N. (2022). A Comprehensive Survey on the Internet of Things with the Industrial Marketplace. Sensors (Basel, Switzerland), 22(3). https://doi.org/10.3390/s22030730
Sermuksnyte, K. A., Simanaviciene, Z., Bickauske, D., Mosiiuk, S., & Belova, I. (2021). Increasing the effectiveness of food supply chain logistics through digital transformation. Independent Journal of Management & Production, 12(6), s677-s701. https://doi.org/10.14807/ijmp.v12i6.1748
Serrado, J., Pereira, R. F., Da Mira Silva, M., & Scalabrin Bianchi, I. (2020). Information security frameworks for assisting GDPR compliance in banking industry. Digital Policy, Regulation and Governance, 22(3), 227–244. https://doi.org/10.1108/DPRG-02-2020-0019
Sethi, P., & Sarangi, S. R. (2017). Internet of Things: Architectures, Protocols, and Applications. Journal of Electrical and Computer Engineering, 2017, 1–25. https://doi.org/10.1155/2017/9324035
Shaikh, S. A. (2023). Paradox of Shari’ah Governance and Price Competitiveness in Islamic Banking. In S. Jan & M. Ismail (Eds.), Islamic business and finance series. Shariah governance in Islamic banking institutions (1 Edition). Routledge. Chapter 6.
Shammar, E. A., & Zahary, A. T. (2019). The Internet of Things (IoT): A survey of techniques, operating systems, and trends. Library Hi Tech, 38(1), 5–66. https://doi.org/10.1108/LHT-12-2018-0200
Shamsudheen, S. V., Mahomed, Z., & Mohamad, S. (2021). Reconciling selection criteria of Islamic banking services: a survey on perception of Islamic bankers, institutional clients and retail customers in UAE. Journal of Islamic Accounting and Business Research, 12(1), 112–130. https://doi.org/10.1108/JIABR-12-2019-0251
Singh, G. G. L., & Ramakrishnan, R. (2017). Internet of Things - Technology Adoption Model in India. Pertanika Journal of Science & Technology, 25(3). http://www.pertanika.upm.edu.my/resources/files/Pertanika%20PAPERS/JST%20Vol.%2025%20(3)%20Jul.%202017/16%20JST%20Vol%2025%20(3)%20July%202017_JST(S)-0263-2017_pg835-846.pdf
Singh, R., Gehlot, A., Singh, B., & Choudhury, S. (2023). Internet OF THINGS ENABLED AUTOMATION IN AGRICULTURE. CRC PRESS. https://www.taylorfrancis.com/books/9781003364702 https://doi.org/10.1201/9781003364702
Soori, M., Arezoo, B., & Dastres, R. (2023). Internet of things for smart factories in industry 4.0, a review. Internet of Things and Cyber-Physical Systems, 3, 192–204. https://doi.org/10.1016/j.iotcps.2023.04.006
Srinadi, N. L. P., Hermawan, D., & Jaya, A. A. N. A. (2023). Advancement of Banking and Financial Services Employing Artificial Intelligence and the Internet of Things. Journal of Wireless Mobile Networks, Ubiquitous Computing, and Dependable Applications, 14(1), 106–117. https://doi.org/10.58346/JOWUA.2023.I1.009
Tareen, M. K., Hussain, A., & Hamad, M. (2023). User Privacy in IoT. In M. Gupta & R. U. Khan (Eds.), Advances in Information Security, Privacy, and Ethics. PROTECTING USER PRIVACY IN WEB SEARCH UTILIZATION (pp. 234–250). IGI Global. https://doi.org/10.4018/978-1-6684-6914-9.ch012
Tiran, M. (2023). Islamic Economics: Principles and Applications in Contemporary Finance. International Journal of Science and Society, 5(3), 180–188. https://doi.org/10.54783/ijsoc.v5i3.735
Tzafestas, S. (2018). Ethics and Law in the Internet of Things World. Smart Cities, 1(1), 98–120. https://doi.org/10.3390/smartcities1010006
Umamaheswari, S., Valarmathi, A., & lakshmi, M. R. (2023). Role Of Artificial Intelligence in The Banking Sector. Journal of Survey in Fisheries Sciences, 10(4S), 2841–2849. https://doi.org/10.17762/sfs.v10i4S.1722
Usak, M., Kubiatko, M., Shabbir, M. S., Viktorovna Dudnik, O., Jermsittiparsert, K., & Rajabion, L. (2020). Health care service delivery based on the Internet of things: A systematic and comprehensive study. International Journal of Communication Systems, 33(2), Article e4179. https://doi.org/10.1002/dac.4179
Venu, N., Arun Kumar, A., & Vaigandla, K. K. (2022). Review of Internet of Things (IoT) for Future Generation Wireless Communications. International Journal for Modern Trends in Science and Technology, 8(3).
Winarsasi, P. A., Thalib, M. C., Moha, M. R., & Elfikri, N. F. (2023). State Control Of Electronic Information Resources: Role And Efforts In The Modern Context. Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo, 16(2), 405–418. https://doi.org/10.21107/pamator.v16i2.20234
Xiao, L., Wan, X., Lu, X., Zhang, Y., & Di Wu (2018). IoT Security Techniques Based on Machine Learning: How Do IoT Devices Use AI to Enhance Security? IEEE Signal Processing Magazine, 35(5), 41–49. https://doi.org/10.1109/MSP.2018.2825478
Yüksel, S., Kalyoncu, G., & Özdurak, C. (2023). Constructing an index for participation finance. Borsa Istanbul Review, 23(4), 895–905. https://doi.org/10.1016/j.bir.2023.03.003
Zafar, M. B., & Sulaiman, A. A. (2019). Corporate social responsibility and Islamic banks: A systematic literature review. Management Review Quarterly, 69(2), 159–206. https://doi.org/10.1007/s11301-018-0150-x
Zouari, G., & Abdelhedi, M. (2021). Customer satisfaction in the digital era: Evidence from Islamic banking. Journal of Innovation and Entrepreneurship, 10(1), 1–18. https://doi.org/10.1186/s13731-021-00151-x
Zubaydi, H. D., Varga, P., & Molnár, S. (2023). Leveraging Blockchain Technology for Ensuring Security and Privacy Aspects in Internet of Things: A Systematic Literature Review. Sensors (Basel, Switzerland), 23(2). https://doi.org/10.3390/s23020788
Agriesti, S. A. M., Studer, L., Marchionni, G., Gandini, P., & Qu, X. (2020). Roadworks Warning—Closure of a Lane, the Impact of C-ITS Messages. Infrastructures, 5(3), 27. https://doi.org/10.3390/infrastructures5030027
Ahmad, A. F., Sayeed, M. S., Tan, C. P., Tan, K. G., Bari, M. A., & Hossain, F. (2021). A Review on IoT with Big Data Analytics. In 2021 9th International Conference on Information and Communication Technology (ICoICT) (pp. 160–164). IEEE. https://doi.org/10.1109/ICoICT52021.2021.9527503
Alam, N., Gupta, L., & Zameni, A. (2019). Fintech and Islamic finance: Digitalization, development and disruption. Palgrave Macmillan. https://doi.org/10.1007/978-3-030-24666-2
Alam, T. (2022). Blockchain-Enabled Deep Reinforcement Learning Approach for Performance Optimization on the Internet of Things. Wireless Personal Communications, 126(2), 995–1011. https://doi.org/10.1007/s11277-022-09780-1
Al-Ansari, K. A., & Aysan, A. F. (2022). Central Bank Digital Currencies, Internet of Things, and Islamic Finance: Blockchain Prospects and Challenges[Monnaies numériques des banques centrales, Internet des objets et finance islamique : perspectives et défis de la blockchain]. Post-Print. https://ideas.repec.org/p/hal/journl/hal-03688607.html
Albrecht, W. S., Albrecht, C., & Albrecht, C. C. (2008). Current Trends in Fraud and its Detection. Information Security Journal: A Global Perspective, 17(1), 2–12. https://doi.org/10.1080/19393550801934331
Alqahtani, M. (2022). Iot Within the Saudi Healthcare Industry During Covid-19. International Conference on Emerging Technologies and Intelligent Systems, ICETIS 2021, 469–483. https://pesquisa.bvsalud.org/global-literature-on-novel-coronavirus-2019-ncov/resource/pt/covidwho-1391779
Alshubiri, F., & Al Ani, M. K. (2023). Financing and returns of Shari’ah-compliant contracts and sustainable investing in the Islamic banking of Oman. Economic Change and Restructuring, 56(4), 2455–2491. https://doi.org/10.1007/s10644-023-09522-8
Amilahaq, F., Wijayanti, P., Mohd Nasir, N. E., & Ahmad, S. (2021). Digital Platform of Zakat Management Organization for Young Adults in Indonesia. In (pp. 454–462). Springer, Cham. https://doi.org/10.1007/978-3-030-50454-0_46
Arena, F., Pau, G., & Severino, A. (2020). An Overview on the Current Status and Future Perspectives of Smart Cars. Infrastructures, 5(7), 53. https://doi.org/10.3390/infrastructures5070053
Atalla, S., Tarapiah, S., Gawanmeh, A., Daradkeh, M., Mukhtar, H., Himeur, Y., Mansoor, W., Hashim, K. F. B., & Daadoo, M. (2023). IoT-Enabled Precision Agriculture: Developing an Ecosystem for Optimized Crop Management. Information, 14(4), 205. https://doi.org/10.3390/info14040205
Aziz, L. A. R., & Andriansyah, Y. (2023). The Role Artificial Intelligence in Modern Banking: An Exploration of AI-Driven Approaches for Enhanced Fraud Prevention, Risk Management, and Regulatory Compliance. Reviews of Contemporary Business Analytics, 6(1), 110–132. https://researchberg.com/index.php/rcba/article/view/153
Bagana, B. D., Irsad, M., & Santoso, I. H. (2021). Artificial intelligence as a human substitution? customer’s perception of the conversational user interface in banking industry based on utaut concept. Review of Management and Entrepreneurship, 5(1), 33–44. https://doi.org/10.37715/rme.v5i1.1632
Bansal, M [M.], Nanda, M., & Husain, M. N. (2021). Security and privacy Aspects for Internet of Things (IoT). In 2021 6th International Conference on Inventive Computation Technologies (ICICT).
Bansal, M [Malti], Oberoi, N., & Sameer, M. (2020). IoT in Online Banking. Journal of Ubiquitous Computing and Communication Technologies, 2(4), 219–222. https://doi.org/10.36548/jucct.2020.4.005
Bhat, J. R., AlQahtani, S. A., & Nekovee, M. (2023). FinTech enablers, use cases, and role of future internet of things. Journal of King Saud University - Computer and Information Sciences, 35(1), 87–101. https://doi.org/10.1016/j.jksuci.2022.08.033
Birkel, H. S., & Hartmann, E. (2020). Internet of Things – the future of managing supply chain risks. Supply Chain Management: An International Journal, 25(5), 535–548. https://doi.org/10.1108/SCM-09-2019-0356
Bisht, D., Singh, R., Gehlot, A., Akram, S. V., Singh, A., Montero, E. C., Priyadarshi, N., & Twala, B. (2022). Imperative Role of Integrating Digitalization in the Firms Finance: A Technological Perspective. Electronics, 11(19), 3252. https://doi.org/10.3390/electronics11193252
Bodemer, O. (2023). Transforming the Insurance Industry with Blockchain and Smart Contracts: Enhancing Efficiency, Transparency, and Trust. TechRxiv. Advance online publication. https://doi.org/10.36227/techrxiv.24006237.v1
Boukhatem, J., & Ben Moussa, F. (2018). The effect of Islamic banks on GDP growth: Some evidence from selected MENA countries. Borsa Istanbul Review, 18(3), 231–247. https://doi.org/10.1016/j.bir.2017.11.004
Brusseau, J. (2023). AI human impact: toward a model for ethical investing in AI-intensive companies. Journal of Sustainable Finance & Investment, 13(2), 1030–1057. https://doi.org/10.1080/20430795.2021.1874212
Budida, D. A. M., & Mangrulkar, R. S. (2017). Design and implementation of smart HealthCare system using IoT. In 2017 International Conference on Innovations in Information, Embedded and Communication Systems (ICIIECS).
Cahyaningtyas, E. F., & Fauza, N. (2023). DIGITAL ISLAMIC NETWORK: BUILDING EXCELENT SERVICE FOR CUSTOMERS AT BANK MUAMALAT TULUNGAGUNG IN THE DIGITAL ERA. An-Nisbah: Jurnal Ekonomi Syariah, 10(1), 170–186. https://doi.org/10.21274/an.v10i1.7590
Chen, M., Miao, Y., Hao, Y., & Hwang, K. (2017). Narrow Band Internet of Things. IEEE Access, 5, 20557–20577. https://doi.org/10.1109/ACCESS.2017.2751586
Chen, K., Zhang, S., Li, Z., Zhang, Y., Deng, Q., Ray, S., & Jin, Y. (2018). Internet-of-Things Security and Vulnerabilities: Taxonomy, Challenges, and Practice. Journal of Hardware and Systems Security, 2(2), 97–110. https://doi.org/10.1007/s41635-017-0029-7
Chilwan, A. (22-May-2023). The best Islamic bank in the Middle East 2023: Dubai Islamic Bank. Euromoney. https://www.euromoney.com/article/2bju1iuic0ceyuy2qhwcg/awards/the-best-islamic-bank-in-the-middle-east-2023-dubai-islamic-bank
Chin, J., Callaghan, V., & Allouch, S. B. (2019). The Internet-of-Things: Reflections on the past, present and future from a user-centered and smart environment perspective. Journal of Ambient Intelligence and Smart Environments, 11(1), 45–69. https://doi.org/10.3233/AIS-180506
Chong, B. S., & Liu, M. H. (2009). Islamic banking: Interest-free or interest-based? Pacific-Basin Finance Journal, 17(1), 125–144. https://doi.org/10.1016/j.pacfin.2007.12.003
Cressey, D. R. (1973). Other people’s money;: A study in the social psychology of embezzlement. Patterson Smith series in criminology, law enforcement & social problems, publication: no. 202. Patterson Smith.
Dash, G., & Paul, J. (2021). CB-SEM vs PLS-SEM methods for research in social sciences and technology forecasting. Technological Forecasting and Social Change, 173, 121092. https://doi.org/10.1016/j.techfore.2021.121092
Dayyabu, Y. Y., Arumugam, D., & Balasingam, S. (2023). The application of artificial intelligence techniques in credit card fraud detection: a quantitative study. E3S Web of Conferences, 389, 7023. https://doi.org/10.1051/e3sconf/202338907023
Dubai Islamic Bank. (2023). Vision, Purpose & Values | About Us | Dubai Islamic Bank. https://www.dib.ae/about-us/vision-and-mission
Elijah, O., Rahman, T. A., Orikumhi, I., Leow, C. Y., & Hindia, M. N. (2018). An Overview of Internet of Things (IoT) and Data Analytics in Agriculture: Benefits and Challenges. IEEE Internet of Things Journal, 5(5), 3758–3773. https://doi.org/10.1109/JIOT.2018.2844296
Eltresy, N. A., Dardeer, O. M., Al-Habal, A., Elhariri, E., Abotaleb, A. M., Elsheakh, D. N., Khattab, A., Taie, S. A., Mostafa, H., Elsadek, H. A., & Abdallah, E. A. (2020). Smart Home IoT System by Using RF Energy Harvesting. Journal of Sensors, 2020, 1–14. https://doi.org/10.1155/2020/8828479
Emirates Islamic. (2021). Emirates Islamic Annual Reports 2021. https://www.emiratesislamic.ae/eng/financial-information/annual-reports/
ENNAFIRI, M., CHARAF, H. M. E., & MADI, A. A. (2023). Towards Secure Transactions with IoT: An Advanced Smart Payment Solution. In 2023 3rd International Conference on Innovative Research in Applied Science, Engineering and Technology (IRASET).
Farhan, L., Alissa, A., Abdulsalam, M., Quiroz-Castellanos, M., Kaiwartya, O., & Kharel, R. (2018). A Concise Review on Internet of Things (IoT) -Problems, Challenges and Opportunities. In 2018 11th International Symposium on Communication Systems, Networks & Digital Signal Processing (CSNDSP).
Fernando, Y., Chiappetta Jabbour, C. J., & Wah, W. X. (2019). Pursuing green growth in technology firms through the connections between environmental innovation and sustainable business performance: Does service capability matter? Resources, Conservation and Recycling, 141, 8–20. https://doi.org/10.1016/j.resconrec.2018.09.031
Gannavaram, V. T. K., Kandhikonda, U. M., Bejgam, R., Keshipeddi, S. B., & Sunkari, S. (2021). A Brief Review on Internet of Things (IoT). In 2021 International Conference on Computer Communication and Informatics (ICCCI) (pp. 1–6). IEEE. https://doi.org/10.1109/ICCCI50826.2021.9451163
Gąsiorkiewicz, L., & Monkiewicz, J. (Eds.). (2022). Routledge international studies in money and banking. Digital Finance And The Future Of The Global Financial System: Disruption and innovation in financial services. Routledge. https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&db=nlabk&AN=3323491
Geng, H. (Ed.). (2017). Internet of things and data analytics handbook. Wiley. https://onlinelibrary.wiley.com/doi/book/10.1002/9781119173601 https://doi.org/10.1002/9781119173601
Haqqi, A. R. A. (2020). Strengthening Islamic Finance in South-East Asia Through Innovation of Islamic FinTech in Brunei Darussalam. In P. Ordóñez de Pablos, M. N. Almunawar, & M. Abduh (Eds.), Advances in Finance, Accounting, and Economics. Economics, business, and Islamic finance in ASEAN economics community (pp. 202–226). IGI Global. https://doi.org/10.4018/978-1-7998-2257-8.ch010
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial Least Squares Structural Equation Modeling(Pls-Sem) Using R: A. Springer Nature. https://doi.org/10.1007/978-3-030-80519-7
Hassan, M. K., Rabbani, M. R., & Mohd. Ali, M. A. (2020). Challenges for the islamic finance and banking in post COVID era and the role of Fintech. Journal of Economic Cooperation and Development, 93–116. https://pesquisa.bvsalud.org/global-literature-on-novel-coronavirus-2019-ncov/resource/pt/covidwho-1102922
Hassan, Q. F., Khan, A. u. R., & Madani, S. A. (2018). INTERNET OF THINGS: Challenges, advances, and applications. CRC PRESS.
Hidajat, T. (2020). Financial Technology in Islamic View. Perisai : Islamic Banking and Finance Journal, 4(2), 102–112. https://doi.org/10.21070/perisai.v4i2.465
Iqbal, M., & Molyneux, P. (2005). Thirty Years of Islamic Banking: History, Performance and Prospects. Scholars Portal. https://doi.org/10.1007/978-0-230-50322-9
Iskamto, D., & Juariyah, L. (2023). Blockchain Technology Challenge in the Future: : Data Security and Efficiency. International Journal of Law Policy and Governance, 2(2), 65–76. https://doi.org/10.54099/ijlpg.v2i2.708
Jabbar, a. G. (2023). The role of organizational learning in enhancing the banks’ financial performance: research in iraqi commercial banks [Master Thesis]. Karabuk University, Iraqi.
Jamaruddin, W. N., & Markom, R. (2020). The Application of Fintech in The Operation of Islamic Banking Focussing on Islamic Documentation: Post-COVID-19. INSLA E-Proceedings, 3(1), 31–43. https://insla.usim.edu.my/index.php/eproceeding/article/view/16
Jalloul, S. (2021). THE IMPACT OF ISLAMIC BANKING AND FINANCIAL PERFORMANCE: THE CASE OF DUBAI ISLAMIC BANK. The EUrASEANs: Journal on Global Socio-Economic Dynamics(5(30)), 60–70. https://doi.org/10.35678/2539-5645.5(30).2021.60-70
Javaid, M., Haleem, A., Singh, R. P., Suman, R., & Gonzalez, E. S. (2022). Understanding the adoption of Industry 4.0 technologies in improving environmental sustainability. Sustainable Operations and Computers, 3, 203–217. https://doi.org/10.1016/j.susoc.2022.01.008
Javaid, M., & Khan, I. H. (2021). Internet of Things (IoT) enabled healthcare helps to take the challenges of COVID-19 Pandemic. Journal of Oral Biology and Craniofacial Research, 11(2), 209–214. https://doi.org/10.1016/j.jobcr.2021.01.015
Kalyanasundaram, S., Madda, R. B., Chen, C., Patan, R., & Cheelu, D. (2018). Low energy aware communication process in iot using the green computing approach. IET Networks, 7(4), 258-264. https://doi.org/10.1049/iet-net.2017.0105
Kamdzhalov, M. (2020). Islamic Finance and the New Technology Challenges. Advance online publication. https://doi.org/10.13135/2421-2172/3813 (European Journal of Islamic Finance, First Special Issue for EJIF Workshop).
Kaur, K., Verma, S., & Bansal, A. (2021). IOT Big Data Analytics in Healthcare: Benefits and Challenges. In 2021 6th International Conference on Signal Processing, Computing and Control (ISPCC) (pp. 176–181). IEEE. https://doi.org/10.1109/ISPCC53510.2021.9609501
Kaur, R., Raina, B. L., & Sharma, A. (2020). Internet of Things: Architecture, Applications, and Security Concerns. Journal of Computational and Theoretical Nanoscience, 17(6), 2468–2474. https://doi.org/10.1166/jctn.2020.8917
Khajenasiri, I., Estebsari, A., Verhelst, M., & Gielen, G. (2017). A Review on Internet of Things Solutions for Intelligent Energy Control in Buildings for Smart City Applications. Energy Procedia, 111, 770–779. https://doi.org/10.1016/j.egypro.2017.03.239
Khan, M. M., & Bhatti, I. M. (2008). Islamic banking and finance: On its way to globalization. Managerial Finance, 34(10), 708–725. https://doi.org/10.1108/03074350810891029
Khan, W. Z., Aalsalem, M. Y., & Khan, M. K. (2019). Communal Acts of IoT Consumers: A Potential Threat to Security and Privacy. IEEE Transactions on Consumer Electronics, 65(1), 64–72. https://doi.org/10.1109/TCE.2018.2880338
Khanboubi, F., Boulmakoul, A., & Tabaa, M. (2019). Impact of digital trends using IoT on banking processes. Procedia Computer Science, 151, 77–84. https://doi.org/10.1016/j.procs.2019.04.014
Khattak, M. A., & Khan, N. A. (2023). ISLAMIC FINANCE, GROWTH, AND VOLATILITY: A FRESH EVIDENCE FROM 82 COUNTRIES. Journal of Islamic Monetary Economics and Finance, 9(1). https://doi.org/10.21098/jimf.v9i1.1625
Kotb Abdelrahman Radwan, E., Omar, N., & Hussainey, K. (2023). Social responsibility of Islamic banks in developing countries: empirical evidence from Egypt. Journal of Sustainable Finance & Investment, 13(3), 1334–1353. https://doi.org/10.1080/20430795.2021.1949890
Kshetri, N. (2008). 12 - Chinese technology enterprises in developing countries: sources of strategic fit and institutional legitimacy. In N. Kshetri (Ed.), The Rapidly Transforming Chinese High-Technology Industry and Market (pp. 181–200). Chandos Publishing. https://doi.org/10.1016/B978-1-84334-464-3.50012-X
Kumar, N. M., & Mallick, P. K. (2018). The Internet of Things: Insights into the building blocks, component interactions, and architecture layers. Procedia Computer Science, 132, 109–117. https://doi.org/10.1016/j.procs.2018.05.170
Kumar, S., Tiwari, P., & Zymbler, M. (2019). Internet of Things is a revolutionary approach for future technology enhancement: A review. Journal of Big Data, 6(1), 1–21. https://doi.org/10.1186/s40537-019-0268-2
Li, D. (2019). 5g and intelligence medicine-how the next generation of wireless technology will reconstruct healthcare? Precision Clinical Medicine, 2(4), 205–208. https://doi.org/10.1093/pcmedi/pbz020
Li, J., Maiti, A., & Fei, J. (2023). Features and Scope of Regulatory Technologies: Challenges and Opportunities with Industrial Internet of Things. Future Internet, 15(8), 256. https://doi.org/10.3390/fi15080256
Li, S., Da Xu, L., & Zhao, S. (2018). 5G Internet of Things: A survey. Journal of Industrial Information Integration, 10, 1–9. https://doi.org/10.1016/j.jii.2018.01.005
Liang, Y., & Liang, W. (2023). ResWCAE: Biometric Pattern Image Denoising Using Residual Wavelet-Conditioned Autoencoder. https://arxiv.org/pdf/2307.12255.pdf
Marjani, M., Nasaruddin, F., Gani, A., Karim, A., Hashem, I. A. T., Siddiqa, A., & Yaqoob, I. (2017). Big IoT Data Analytics: Architecture, Opportunities, and Open Research Challenges. IEEE Access, 5, 5247–5261. https://doi.org/10.1109/ACCESS.2017.2689040
Melnychenko, S., Volosovych, S., & Baraniuk, Y. (2020). Dominant Ideas Of Financial Technologies In Digital Banking. Baltic Journal of Economic Studies, 6(1), 92. https://doi.org/10.30525/2256-0742/2020-6-1-92-99
Menarini, M., Marrancone, P., Cecchini, G., Bazzi, A., Masini, B. M., & Zanella, A. (2019). TRUDI: Testing Environment for Vehicular Applications Running with Devices in the Loop. In 2019 IEEE International Conference on Connected Vehicles and Expo (ICCVE) (pp. 1–6). IEEE. https://doi.org/10.1109/ICCVE45908.2019.8965152
Mikalef, P., Pappas, I. O., Krogstie, J., & Giannakos, M. (2018). Big data analytics capabilities: A systematic literature review and research agenda. Information Systems and E-Business Management, 16(3), 547–578. https://doi.org/10.1007/s10257-017-0362-y
Monsone, C. R., & Jósvai, J. (2019). Challenges of Digital Twin System. Acta Technica Jaurinensis, 12(3), 252–267. https://doi.org/10.14513/actatechjaur.v12.n3.514
Munirathinam, S. (2020). Chapter Six - Industry 4.0: Industrial Internet of Things (IIOT). In P. Raj & P. Evangeline (Eds.), Advances in Computers : The Digital Twin Paradigm for Smarter Systems and Environments: The Industry Use Cases (Vol. 117, pp. 129–164). Elsevier. https://doi.org/10.1016/bs.adcom.2019.10.010
Nadikattu, R. R. (2020). Research on Data Science, Data Analytics and Big Data. International Journal Of Engineering, 9(5). https://doi.org/10.2139/ssrn.3622844
Nagajayanthi, B. (2022). Decades of Internet of Things Towards Twenty-first Century: A Research-Based Introspective. Wireless Personal Communications, 123(4), 3661–3697. https://doi.org/10.1007/s11277-021-09308-z
Nasereddin, H. H. O., & FAQIR, M. (2019). The impact of internet of things on customer service: A preliminary study. Periodicals of Engineering and Natural Sciences, 7(1), 148. https://doi.org/10.21533/pen.v7i1.406
Noor, M. b. M., & Hassan, W. H. (2019). Current research on Internet of Things (IoT) security: A survey. Computer Networks, 148, 283–294. https://doi.org/10.1016/j.comnet.2018.11.025
Ogando-Martínez, A., Troncoso-Pastoriza, F., Eguía-Oller, P., Granada-Álvarez, E., & Erkoreka, A. (2020). Model Calibration Methodology to Assess the Actual Lighting Conditions of a Road Infrastructure. Infrastructures, 5(1), 2. https://doi.org/10.3390/infrastructures5010002
Ogudo, K. A., Muwawa Jean Nestor, D., Ibrahim Khalaf, O., & Daei Kasmaei, H. (2019). A Device Performance and Data Analytics Concept for Smartphones’ IoT Services and Machine-Type Communication in Cellular Networks. Symmetry, 11(4), 593. https://doi.org/10.3390/sym11040593
Ouaissa, M., & Rhattoy, A. (2019). A Secure Model for Machine to Machine Device Domain Based Group in a Smart City Architecture. International Journal of Intelligent Engineering and Systems, 12(1), 151–164. https://doi.org/10.22266/ijies2019.0228.16
Park, J., Nam, C., & Kim, H. (2019). Exploring the key services and players in the smart car market. Telecommunications Policy, 43(10), 101819. https://doi.org/10.1016/j.telpol.2019.04.003
Perumal, K., & Manohar, M. (2017). A Survey on Internet of Things: Case Studies, Applications, and Future Directions. In D. P. Acharjya & M. K. Geetha (Eds.), Studies in big data. Internet of Things: Novel Advances and Envisioned Applications (Vol. 25, pp. 281–297). Springer International Publishing. https://doi.org/10.1007/978-3-319-53472-5_14
Qureshi, T., Saeed, M., Ahsan, K., Malik, A. A., Muhammad, E. S., & Touheed, N. (2022). Smart Agriculture for Sustainable Food Security Using Internet of Things (IoT). Wireless Communications and Mobile Computing, 2022, 1–10. https://doi.org/10.1155/2022/9608394
RAI, D. (2023). Cryptocurrency Based on Islamic Finance and Basic Cryptocurrency Model Proposed Under Islamic Controls and Standards [MASTER, Karabuk University, KARABUK]. acikerisim.karabuk.edu.tr. http://acikerisim.karabuk.edu.tr:8080/xmlui/handle/123456789/2838
Ramson, S. J., Vishnu, S., & Shanmugam, M. (2020). Applications of Internet of Things (IoT) – An Overview. In 2020 5th International Conference on Devices, Circuits and Systems (ICDCS) (pp. 92–95). IEEE. https://doi.org/10.1109/ICDCS48716.2020.243556
Rawat, A. (2022). Recent Trends in IoT : A review. Journal of Management and Service Science (JMSS), 2(2), 1–12. https://doi.org/10.54060/jmss.v2i2.21
Ray, P. P. (2023). Web3: A comprehensive review on background, technologies, applications, zero-trust architectures, challenges and future directions. Internet of Things and Cyber-Physical Systems, 3, 213–248. https://doi.org/10.1016/j.iotcps.2023.05.003
Rehman, M. u. H., Yaqoob, I., Salah, K., Imran, M., Jayaraman, P. P., & Perera, C. (2019). The role of big data analytics in industrial Internet of Things. Future Generation Computer Systems, 99, 247–259. https://doi.org/10.1016/j.future.2019.04.020
Saba, I., Kouser, R., & Chaudhry, I. S. (2019). Fintech and Islamic Finance-challenges and Opportunities. Review of Economics and Development Studies, 5(4), 581–590. https://doi.org/10.26710/reads.v5i4.887
Salih, K. O. M., Rashid, T. A., Radovanovic, D., & Bacanin, N. (2022). A Comprehensive Survey on the Internet of Things with the Industrial Marketplace. Sensors (Basel, Switzerland), 22(3). https://doi.org/10.3390/s22030730
Sermuksnyte, K. A., Simanaviciene, Z., Bickauske, D., Mosiiuk, S., & Belova, I. (2021). Increasing the effectiveness of food supply chain logistics through digital transformation. Independent Journal of Management & Production, 12(6), s677-s701. https://doi.org/10.14807/ijmp.v12i6.1748
Serrado, J., Pereira, R. F., Da Mira Silva, M., & Scalabrin Bianchi, I. (2020). Information security frameworks for assisting GDPR compliance in banking industry. Digital Policy, Regulation and Governance, 22(3), 227–244. https://doi.org/10.1108/DPRG-02-2020-0019
Sethi, P., & Sarangi, S. R. (2017). Internet of Things: Architectures, Protocols, and Applications. Journal of Electrical and Computer Engineering, 2017, 1–25. https://doi.org/10.1155/2017/9324035
Shaikh, S. A. (2023). Paradox of Shari’ah Governance and Price Competitiveness in Islamic Banking. In S. Jan & M. Ismail (Eds.), Islamic business and finance series. Shariah governance in Islamic banking institutions (1 Edition). Routledge. Chapter 6.
Shammar, E. A., & Zahary, A. T. (2019). The Internet of Things (IoT): A survey of techniques, operating systems, and trends. Library Hi Tech, 38(1), 5–66. https://doi.org/10.1108/LHT-12-2018-0200
Shamsudheen, S. V., Mahomed, Z., & Mohamad, S. (2021). Reconciling selection criteria of Islamic banking services: a survey on perception of Islamic bankers, institutional clients and retail customers in UAE. Journal of Islamic Accounting and Business Research, 12(1), 112–130. https://doi.org/10.1108/JIABR-12-2019-0251
Singh, G. G. L., & Ramakrishnan, R. (2017). Internet of Things - Technology Adoption Model in India. Pertanika Journal of Science & Technology, 25(3). http://www.pertanika.upm.edu.my/resources/files/Pertanika%20PAPERS/JST%20Vol.%2025%20(3)%20Jul.%202017/16%20JST%20Vol%2025%20(3)%20July%202017_JST(S)-0263-2017_pg835-846.pdf
Singh, R., Gehlot, A., Singh, B., & Choudhury, S. (2023). Internet OF THINGS ENABLED AUTOMATION IN AGRICULTURE. CRC PRESS. https://www.taylorfrancis.com/books/9781003364702 https://doi.org/10.1201/9781003364702
Soori, M., Arezoo, B., & Dastres, R. (2023). Internet of things for smart factories in industry 4.0, a review. Internet of Things and Cyber-Physical Systems, 3, 192–204. https://doi.org/10.1016/j.iotcps.2023.04.006
Srinadi, N. L. P., Hermawan, D., & Jaya, A. A. N. A. (2023). Advancement of Banking and Financial Services Employing Artificial Intelligence and the Internet of Things. Journal of Wireless Mobile Networks, Ubiquitous Computing, and Dependable Applications, 14(1), 106–117. https://doi.org/10.58346/JOWUA.2023.I1.009
Tareen, M. K., Hussain, A., & Hamad, M. (2023). User Privacy in IoT. In M. Gupta & R. U. Khan (Eds.), Advances in Information Security, Privacy, and Ethics. PROTECTING USER PRIVACY IN WEB SEARCH UTILIZATION (pp. 234–250). IGI Global. https://doi.org/10.4018/978-1-6684-6914-9.ch012
Tiran, M. (2023). Islamic Economics: Principles and Applications in Contemporary Finance. International Journal of Science and Society, 5(3), 180–188. https://doi.org/10.54783/ijsoc.v5i3.735
Tzafestas, S. (2018). Ethics and Law in the Internet of Things World. Smart Cities, 1(1), 98–120. https://doi.org/10.3390/smartcities1010006
Umamaheswari, S., Valarmathi, A., & lakshmi, M. R. (2023). Role Of Artificial Intelligence in The Banking Sector. Journal of Survey in Fisheries Sciences, 10(4S), 2841–2849. https://doi.org/10.17762/sfs.v10i4S.1722
Usak, M., Kubiatko, M., Shabbir, M. S., Viktorovna Dudnik, O., Jermsittiparsert, K., & Rajabion, L. (2020). Health care service delivery based on the Internet of things: A systematic and comprehensive study. International Journal of Communication Systems, 33(2), Article e4179. https://doi.org/10.1002/dac.4179
Venu, N., Arun Kumar, A., & Vaigandla, K. K. (2022). Review of Internet of Things (IoT) for Future Generation Wireless Communications. International Journal for Modern Trends in Science and Technology, 8(3).
Winarsasi, P. A., Thalib, M. C., Moha, M. R., & Elfikri, N. F. (2023). State Control Of Electronic Information Resources: Role And Efforts In The Modern Context. Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo, 16(2), 405–418. https://doi.org/10.21107/pamator.v16i2.20234
Xiao, L., Wan, X., Lu, X., Zhang, Y., & Di Wu (2018). IoT Security Techniques Based on Machine Learning: How Do IoT Devices Use AI to Enhance Security? IEEE Signal Processing Magazine, 35(5), 41–49. https://doi.org/10.1109/MSP.2018.2825478
Yüksel, S., Kalyoncu, G., & Özdurak, C. (2023). Constructing an index for participation finance. Borsa Istanbul Review, 23(4), 895–905. https://doi.org/10.1016/j.bir.2023.03.003
Zafar, M. B., & Sulaiman, A. A. (2019). Corporate social responsibility and Islamic banks: A systematic literature review. Management Review Quarterly, 69(2), 159–206. https://doi.org/10.1007/s11301-018-0150-x
Zouari, G., & Abdelhedi, M. (2021). Customer satisfaction in the digital era: Evidence from Islamic banking. Journal of Innovation and Entrepreneurship, 10(1), 1–18. https://doi.org/10.1186/s13731-021-00151-x
Zubaydi, H. D., Varga, P., & Molnár, S. (2023). Leveraging Blockchain Technology for Ensuring Security and Privacy Aspects in Internet of Things: A Systematic Literature Review. Sensors (Basel, Switzerland), 23(2). https://doi.org/10.3390/s23020788