Albert Fajar Yuga Yusdi Putra, Dewi, Meivina Jayanti, Lee Yong Hwa, and Muhammad Elvio, “The Smartsettle as An Innovative Solution For Debt Dispute Resolution: A Game Theory Approach Powered By Artificial Intellegence”, IJLSH, vol. 3, no. 1, pp. 438–450, Mar. 2026.