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Aplikasi yang beredar tidak memiliki legalitas di Indonesia. Dengan demikian, saat terjadi perselisihan antara nasabah dengan penyedia, Bappebti tidak bisa melakukan intervensi.Lebih lanjut Didid mengatakan, meskipun Bappebti telah memblokir domain situs Internet entitas illegal, masih banyak ditemukan promosi, iklan, dan penawaran di bidang PBK il