Disemadi HS, Tan D, Stevani W. Smart Regulatory Fintech dalam Ekosistem Pendanaan Digital Terhadap Pertumbuhan UMKM. WIDYUR [Internet]. 2024 Nov. 25 [cited 2025 May 3];7(3):497-512. Available from: https://publishing-widyagama.ac.id/ejournal-v2/index.php/yuridika/article/view/5053