Who Owns Financial Data? Legal Gaps and Consumer Vulnerability in Digital Credit Scoring: Siapa Pemilik Data Keuangan? Kesenjangan Hukum dan Kerentanan Konsumen dalam Sistem Penilaian Kredit Digital. SiRad: Pelita Wawasan, [S. l.], v. 2, n. 2, p. 211–222, 2026. DOI: 10.64728/sirad.v2i2.art4. Disponível em: https://pub.siradjournal.com/index.php/sirad/article/view/129. Acesso em: 9 oct. 2026.