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easat-7654	doi.org	https://doi.org/10.1111/isj.12406
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easat-7654	doi.org	https://doi.org/10.29303/ius.v11i3.1312
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easat-7654	www.ojk.go.id	https://www.ojk.go.id/id/regulasi/otoritas-jasa-keuangan/peraturan-ojk/documents/pages/pojk-nomor-77pojk.01-2016/sal%20%20pojk%20fintech.pdf
easat-7654	doi.org	https://doi.org/10.1016/j.joitmc.2024.100301
easat-7654	doi.org	https://doi.org/10.1016/j.joitmc.2024.100236
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easat-7654	www.researchgate.net	https://www.researchgate.net/profile/longtrinh6/publication/343682203
easat-7654	doi.org	https://doi.org/10.1186/s40854-021-00256-y
easat-7654	doi.org	https://doi.org/10.1016/j.tele.2022.101851
easat-7654	doi.org	https://doi.org/10.1111/isj.12406
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easat-7654	doi.org	https://doi.org/10.15294/lesrev.v7i2.77881
easat-7654	doi.org	https://doi.org/10.29303/ius.v11i3.1312
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easat-7654	ojk.go.id	https://ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/default.aspx
easat-7654	www.ojk.go.id	https://www.ojk.go.id/id/regulasi/otoritas-jasa-keuangan/peraturan-ojk/documents/pages/pojk-nomor-77-pojk.01-2016/sal%20%20pojk%20fintech.pdf
easat-7654	www.ojk.go.id	https://www.ojk.go.id/id/regulasi/otoritas-jasa-keuangan/peraturan-ojk/documents/pages/pojk-nomor-77-pojk.01-2016/sal%20%20pojk%20fintech.pdf
easat-7654	doi.org	https://doi.org/10.1016/j.joitmc.2024.100301
easat-7654	doi.org	https://doi.org/10.1016/j.joitmc.2024.100236
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easat-7654	www.researchgate.net	https://www.researchgate.net/profile/longtrinh6/publication/343682203
easat-7654	doi.org	https://doi.org/10.26710/jafee.v6i2.1101
easat-7654	doi.org	https://doi.org/10.1016/j.joitmc.2023.100027
easat-7654	doi.org	https://doi.org/10.1016/j.techfore.2024.123599
easat-7654	doi.org	https://doi.org/10.1080/08956308.2019.1613123
easat-7654	www.bis.org	https://www.bis.org/publ/cmtpubl.htm?m=5%7c28
easat-7654	doi.org	https://doi.org/10.1177/21582440241229570
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easat-7654	doi.org	https://doi.org/10.1016/j.dss.2010.02.008
easat-7654	doi.org	https://doi.org/10.26710/jafee.v6i2.1101
easat-7654	doi.org	https://doi.org/10.1016/j.joitmc.2023.100027
easat-7654	doi.org	https://doi.org/10.1016/j.techfore.2024.123599
easat-7654	doi.org	https://doi.org/10.1080/08956308.2019.1613123
easat-7654	www.bis.org	https://www.bis.org/publ/cmtpubl.htm?m=5%7c28
easat-7654	doi.org	https://doi.org/10.1177/21582440241229570
easat-7654	doi.org	https://doi.org/10.3390/info13070349
easat-7654	doi.org	https://doi.org/10.1016/j.joitmc.2023.100010
easat-7654	doi.org	https://doi.org/10.1016/j.im.2022.103686
easat-7654	doi.org	https://doi.org/10.1016/j.heliyon.2023.e20731
easat-7654	doi.org	https://doi.org/10.1016/j.joitmc.2024.100343
easat-7654	doi.org	https://doi.org/10.1016/j.dss.2010.02.008
easat-7654	doi.org	https://doi.org/10.1080/23322039.2022.2132631
easat-7654	doi.org	https://doi.org/10.1080/23322039.2022.2132631