Kurniawan, W., and D. Birahayu. “Urgensi Pengaturan Financial Technology: Kewenangan Penghimpunan Dana Masyarakat: The Urgency of Financial Technology Regulation: Authority to Collect Public Funds”. Perspektif Hukum, vol. 25, no. 2, Nov. 2025, pp. 475-00, doi:10.30649/ph.v25i2.535.