Y. A. Akhmad, S. K. Wiryono, and S. Sukarno, “LENDING BANKING AND FINANCIAL TECHNOLOGY PEER-TO-PEER LENDING BETWEEN DISRUPT OR CREATIVITY”, CAC, vol. 23, no. 1, pp. 3439–3453, Jan. 2022, Accessed: May 23, 2025. [Online]. Available: https://www.ca-c.org/CAC/index.php/cac/article/view/313