KURNIAWAN, W.; BIRAHAYU, D. Urgensi Pengaturan Financial Technology: Kewenangan Penghimpunan Dana Masyarakat: The Urgency of Financial Technology Regulation: Authority to Collect Public Funds. Perspektif Hukum, [S. l.], v. 25, n. 2, p. 475–500, 2025. DOI: 10.30649/ph.v25i2.535. Disponível em: https://perspektif-hukum.hangtuah.ac.id/index.php/jurnal/article/view/535. Acesso em: 29 jan. 2026.