Hasnah Aziz, Agustine Susi Mulyati, Donny Ferdiansyah, Muhammad Ali Mustofa, and Toyib Zainal. 2026. “Legal Implications of Financial Technology in Emerging Markets”. Asia Pacific Journal of Business Economics and Technology 6 (02), 66-73. https://doi.org/10.98765/apjbet.v6i02.327.