Wahyu Hengky Saputro, Fery Irawan Febriansyah and Yogi Prasetyo 2026. Consumer Protection in The Digital Era: Analyzing Legal Gaps in Online Lending. Padjadjaran Journal of International Law. 10, 1 (Feb. 2026). DOI:https://doi.org/10.23920/pjil.v10i1.2597.