Sulasmiyati, S., and A. Sari Siregar. “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, vol. 5, no. 3, Sept. 2026, pp. 521-54, doi:10.21098/jcli.v5i3.360.