ANALYSIS OF THE USE OF SHARIA FINANCIAL TECHNOLOGY (FINTEK) SERVICES STUDY ON APPLICATION SERVICES AT PT. AMMANA FINTECH SHARI'AH ACCORDING TO THE FATWA OF DSN MUI AND ISLAMIC LAW - Wiguna, Yudha Prakarsa Karya; Wirdyaningsih, Wirdyaningsih (JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES), 2022)