INTERNET OF THINGS (IOT) AND BLOCKCHAIN ​​ANALYSIS IN REDUCING FRAUD RISK IN BANKING INDUSTRY PURWOKERTO: TRIANGLE OF FRAUD PERSPECTIVE. icsema [Internet]. 2025 Aug. 13 [cited 2026 Aug. 25];1(1):1859-6. Available from: https://proceeding.soedirmanunsoed.com/index.php/icsema/article/view/338