Nurjayanti, Y. F., and W. Yuspin. “A Risk-Based Model for Evaluating the Oversight of Personal Data in Fintech Lending: Model Evaluasi Pengawasan Data Pribadi Fintech Lending Berbasis Risiko”. Academia Open, vol. 11, no. 1, June 2026, p. 10.21070/acopen.11.2026.14649, doi:10.21070/acopen.11.2026.14649.