Consumer Protection in The Digital Era: Analyzing Regulatory and Enforcement Gaps in Online Lending. Padjadjaran Journal of International Law, [S. l.], v. 10, n. 1, 2026. DOI: 10.23920/pjil.v10i1.2597. Disponível em: https://jurnal.fh.unpad.ac.id/index.php/pjil/article/view/2597. Acesso em: 30 sep. 2026.