Toer, G.A. and Kim, G. 2026. Agent-Based Simulation of Peerto-Peer Lending Ecosystems: FinTech Innovation, Regulatory Intervention, and Digital Economy Impacts. Fintech Innovation Journal. 1, 1 (May 2026), 58–79. DOI:https://doi.org/10.63913/ftij.v1i1.7.