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. JHD [Internet]. 2026 Mar. 27 [cited 2026 Jun. 8];12(1):113-22. Available from: http://103.127.96.46/index.php/LAW/article/view/16432