asyiah, siti, Sadiani Sadiani, and Muhammad Amin. “Perlindungan Konsumen Terhadap Praktik Gesek Tunai Pada Layanan Shopee PayLater”. JURNAL USM LAW REVIEW 8, no. 3 (November 23, 2025): 1799–1822. Accessed July 22, 2026. https://journals.usm.ac.id/index.php/julr/article/view/12290.