Tinjauan Kerangka Hukum Earned Wage Access sebagai Layanan Teknologi Finansial Non-Pinjaman: Sebuah Perbandingan antara Indonesia dan Negara Bagian Nevada Amerika Serikat = The Regulatory Framework of Earned Wage Access as a Non-Lending Fintech Service: A Comparative Study between Indonesia and the State of Nevada in the United States of America