Oktavia L, Mukharomah A. Transformasi Hukum Perbankan Melalui Layanan Keuangan Tanpa Kantor. jiwp [Internet]. 1Jun.2025 [cited 20Apr.2026];11(6.D):176-82. Available from: https://jurnal.peneliti.net/index.php/JIWP/article/view/10720