“Fenomena Startup Fintech Dan Implikasinya”. Swara Patra : Majalah Ilmiah PPSDM Migas 8, no. 4 (November 29, 2018): 44–55. Accessed June 6, 2026. https://dev-ejurnal.ppsdmmigas.id/sp/index.php/swarapatra/article/view/11.