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 Kartika, Arrely, & Dewa Gde Rudy. " PERLINDUNGAN KONSUMEN DAN PERUSAHAAN FINANCIAL TECHNOLOGY DI INDONESIA: INOVASI DAN TANTANGAN OTORITAS JASA KEUANGAN." Kertha Wicara : Journal Ilmu Hukum [Online], 11.7 (2022): 1426-1441. Web. 29 Aug. 2026