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 [Internet]. 2026 Jun. 4 [cited 2026 Oct. 9];2(2):211-22. Available from: https://pub.siradjournal.com/index.php/sirad/article/view/129