Mubarak, R. (2025) “Emotional and Rational in the Decision to Use Payment Services of Islamic Financial Institutions for DIKTIS Students in Pamekasan Regency: The Mediating Effect of Regulation”, Mabny: Journal of Sharia Management and Business, 5(2), pp. 84–97. doi: 10.19105/mabny.v5i2.21933.