Kahardani, Moh Zalmi, and Erwin Santosa. “From Trust to Transparency: A Systematic Qualitative Review of Regulatory, Ethical, and Organizational Challenges in AI-Driven Letter of Credit Automation”. International Journal of Business, Marketing, Economics & Leadership (IJBMEL), vol. 3, no. 2, May 2026, pp. 43-54, doi:10.70142/ijbmel.v3i2.461.