Akhmad, Y. A., Wiryono, S. K., & Sukarno, S. (2022). LENDING BANKING AND FINANCIAL TECHNOLOGY PEER-TO-PEER LENDING BETWEEN DISRUPT OR CREATIVITY. CENTRAL ASIA AND THE CAUCASUS, 23(1), 3439-3453. https://ca-c.org/CAC/index.php/cac/article/view/313