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 BAYU WICAKSANA, Ida Bagus Gaga; SUKIHANA, ida ayu. PERLINDUNGAN KONSUMEN TERHADAP NASABAH ATAS TINDAKAN CARD SKIMMING DI ATM. Kertha Desa, [S.l.], v. 9, n. 10, p. 13-24, oct. 2021. Available at: <https://ojs.unud.ac.id/index.php/kerthadesa/article/view/78088>. Date accessed: 31 aug. 2026.