[1]
M. H. Ingratubun, B. S. Ingratubun, and R. Madinakhon, “The Law of Digital Only Banks: Legal Challenges in Licensing, Supervision, and Consumer Protection”, ilr, vol. 1, no. 1, pp. 1–21, Jan. 2026, doi: 10.63142/ilr.v1i1.497.