FAIZA PUTRI KHAIRISNA; RADHA EVI NUR RIZKI; RAIHANAH IFFAT MAHDIYYAH. Optimizing the Role of Financial Technology in Credit Institutions: : A Legal Approach to Promoting Accessible, Efficient, and Timely Financial Services. DE’RECHTSSTAAT, [S. l.], v. 12, n. 1, p. 113–122, 2026. DOI: 10.30997/jhd.v12i1.16432. Disponível em: http://103.127.96.46/index.php/LAW/article/view/16432. Acesso em: 8 jun. 2026.