Hasnah Aziz, Agustine Susi Mulyati, Donny Ferdiansyah, Muhammad Ali Mustofa, and Toyib Zainal. “Legal Implications of Financial Technology in Emerging Markets”. Asia Pacific Journal of Business Economics and Technology, Vol. 6, no. 02, Apr. 2026, pp. 66-73, doi:10.98765/apjbet.v6i02.327.