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 CECILIA, Laura; ADHARI, Ade. KEBIJAKAN PENCEGAHAN PENCURIAN DATA ATM (SKIMMING) DALAM MEMBERIKAN PERLINDUNGAN TERHADAP KONSUMEN PERBANKAN DI INDONESIA. Kertha Semaya : Journal Ilmu Hukum, [S.l.], v. 11, n. 9, p. 2110-2118, july 2023. ISSN 2303-0569. Available at: <https://ojs.unud.ac.id/index.php/kerthasemaya/article/view/104053>. Date accessed: 28 aug. 2026. doi: https://doi.org/10.24843/KS.2023.v11.i09.p09.