Warning: file_get_contents(https://ojs.journalbusiness.my/ojs.php): failed to open stream: HTTP request failed! HTTP/1.1 404 Not Found in /var/www/ojs.unud.ac.id_backup/lib/pkp/includes/functions.inc.php on line 4 Widyantika, Ni Made Ferina, & Made Cinthya Puspita Shara. " PERLINDUNGAN HUKUM PERBANKAN TERHADAP KONSUMEN DALAM PENYELENGGARAAN LAYANAN ELECTRONIC PAYMENT." Kertha Desa [Online], 11.11 (2023): 3713-3722. Web. 28 Aug. 2026