Surya Guntur, Surya Wisada Dachi, and Willy Yusnandar. “Blockchain Integration in Fintech: A Framework for Secure and Transparent Digital Transactions ”. Hanif Journal of Information Systems 3, no. 2 (July 6, 2026): 118–124. Accessed July 6, 2026. https://journal.ilmubersama.com/index.php/hanif/article/view/73.