CHRISTIAN ALEXANDER TJANDRA; BINTANG BAYU APRILA PUTRA; FEBRIAN RIZKI PRATAMA. PERTANGGUNGJAWABAN HUKUM PLATFORM FINTECH PAYLATER TERHADAP RISIKO GAGAL BAYAR DEBITUR. Journal of Innovation Research and Knowledge, [S. l.], v. 5, n. 8, p. 9223–9240, 2026. Disponível em: https://mail.bajangjournal.com/index.php/JIRK/article/view/12111. Acesso em: 7 mar. 2026.