Financial Literacy, Bank Reputation, and Religiosity in Islamic Banking Adoption Nilmawati Nilmawati, Hendri Gusaptono, Heru Kristanto and Agussalim Agussalim SHS Web Conf., 212 (2025) 01002 Published online: 05 March 2025 DOI: 10.1051/shsconf/202521201002