Ingratubun, Mohammad Husni, Baharudin Saleh Ingratubun, and Rakhimova Madinakhon. “The Law of Digital Only Banks: Legal Challenges in Licensing, Supervision, and Consumer Protection”. Integrative Law Review 1, no. 1 (January 31, 2026): 1–21. Accessed May 1, 2026. https://journal.yayasancgi.com/index.php/ilr/article/view/497.