Rukiah, Riny Viri Insy Sinaga and Erpiana Siregar 2026. Reconfiguration of the Banking Intermediation Model in the Era of Digital Disruption: A Modern Financial Economics Perspective. Sharia Economic and Management Business Journal (SEMBJ). 7, 2 (Jun. 2026), 275-282. DOI:https://doi.org/10.62159/sembj.v7i2.1951.