Abstract
This research proposes a model to explain the influence of the role of Islamic financial technology and inclusion Islamic finance in moderate influence literacy Islamic finance towards transaction sharia finance at Sharia Commercial Banks in Indonesia. Theresults of the research state that: 1) literacy Islamic finance has a significant positive effect on transactions sharia finance; 2) Islamic financial technology moderates influence literacy Islamic finance towards transaction sharia finance; 3) inclusionIslamic finance moderates influence literacy Islamic finance towards transaction Islamic finance. In implementing digital transformation, Sharia BPRs in Indonesia must seriously consider information transparency, financial stability, and innovation capabilities, and choose different paths based on intrinsic characteristics such as property rights, scale, and growth.
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