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Prastiyo, W. E., and I. D. M. Suartha. “Debt Collection Violations in Financial Technology in a Cyber-Ethic and Legal Perspective”. Jurnal Komunikasi Ikatan Sarjana Komunikasi Indonesia, vol. 6, no. 1, June 2021, pp. 13-21, doi:10.25008/jkiski.v6i1.510.