“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”, SPW, vol. 2, no. 2, pp. 211–222, Jun. 2026, doi: 10.64728/sirad.v2i2.art4.