Muhammad, Rafli Fadilah, and Rianda Dirkareshza. “Legalitas Penerapan Central Bank Digital Currency (CBDC) Di Indonesia”. JURNAL USM LAW REVIEW 6, no. 3 (November 12, 2023): 913–930. Accessed June 29, 2026. https://journals.usm.ac.id/index.php/julr/article/view/7370.