SULASMIYATI, S.; SARI SIREGAR, A. Fintech, Digital Banking, and Profitability Under Macroeconomic Pressure: Evaluating Regulatory and Institutional Implications for Indonesia’s Banking System. Journal of Central Banking Law and Institutions, [S. l.], v. 5, n. 3, p. 521–554, 2026. DOI: 10.21098/jcli.v5i3.360. Disponível em: https://www.jcli-bi.org/jcli/article/view/360. Acesso em: 24 sep. 2026.