T. Takdirmin, F. Ramadhani, I. Ramadhani, N. Nurfadillah, and V. Dwiyasta, “Keuangan Digital Dan Fintech: Inovasi, Dampak, Dan Tantangan Di Era Digital”, JAR, vol. 4, no. 1, pp. 338–350, Jun. 2025, doi: 10.36312/jar.v4i1.2828.