Pradana, F.G. and Dipsatara, T. 2026. Utilization of Blockchain-Based Smart Contracts in Banking: A Systematic Review of Technical, Regulatory, and Systemic Risk Dimensions. Jurnal Penelitian Sains Teknologi. 2, 2 (Mar. 2026), 91–104. DOI:https://doi.org/10.23917/saintek.v2i2.16341.