Erika, R. ., S. L. . Prastowo, and S. Sutarjo. “Fintech Adoption and Customer Loyalty in Indonesian Banking: The Mediating Role of Trust in the Perceived Benefit–Risk Trade-Off”. PERFECT EDUCATION FAIRY, vol. 3, no. 3, Oct. 2025, pp. 68- 79, doi:10.56442/pef.v3i3.1219.