Usman, Muhammad Khairul Anam, and Hambali Husaini. “Tanggung Jawab Bank Atas Kerugian Nasabah Akibat Social Engineering Berdasarkan POJK Nomor 22 Tahun 2023”. Jejak digital: Jurnal Ilmiah Multidisiplin 2, no. 5 (September 9, 2026): 10402–10412. Accessed September 18, 2026. https://indojurnal.com/index.php/jejakdigital/article/view/4888.