?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.au=Ummu+Salma+AL+Azizah%2C+Ummu&rft.aufirst=Ummu&rft.aulast=Ummu+Salma+AL+Azizah&rft.title=Ummu+Salma+Al+Azizah_Pembicara+Seminar+Nasional+Daring%2Fonline+%E2%80%9CImpact+of+Financial+Technology+Development%E2%80%9D&rft.genre=proceeding