Toer, Guevara Ananta, and Gwanpil Kim. “Agent-Based Simulation of Peerto-Peer Lending Ecosystems: FinTech Innovation, Regulatory Intervention, and Digital Economy Impacts”. Fintech Innovation Journal, vol. 1, no. 1, May 2026, pp. 58-79, https://ftij.mbicore.com/index.php/ftij/article/view/7.