Markus Suryoutomo, Hasibatul Isniar Sepbrina Pratiwi S, Mig Irianto Legowo, Amsari Damanik, and Ade Ari Gumilar, “Customer Protection in Cases of Fintech Lending Default: The Perspective of Indonesian Economic Law”, IJHESS, vol. 7, no. 4, p. 1905~1911, Oct. 2025.