Akhmad, Y.A., Wiryono, S.K. and Sukarno, S. (2022) “LENDING BANKING AND FINANCIAL TECHNOLOGY PEER-TO-PEER LENDING BETWEEN DISRUPT OR CREATIVITY”, CENTRAL ASIA AND THE CAUCASUS, 23(1), pp. 3439–3453. Available at: http://13.200.237.241/CAC/index.php/cac/article/view/313 (Accessed: 9 January 2025).