Perjanjian Pinjaman Online Berbasis Financial Technology (Fintech)

Pradnyawati, Ni Made Eka; Sukandia, I Nyoman; Arini, Desak Gde Dwi

doi:10.22225/jkh.2.2.3230.320-325

Cited by 8 publications

(7 citation statements)

References 5 publications

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“…The legal framework surrounding online financial transactions, particularly those facilitated by FinTech platforms, further complicates this intersection. The validity of online loan agreements, for instance, hinges on compliance with specific legal requirements, such as those outlined in the Civil Code and information technology laws, which govern electronic signatures and documents (Pradnyawati, Sukandia & Arini, 2021). Legal protections for creditors and consumers in the FinTech space must therefore encompass both preventive and repressive measures to ensure fair and secure online financial transactions.…”

Section: The Intersection Of Data Privacy Laws and Fintechmentioning

confidence: 99%

Data Privacy Laws and Their Impact on Financial Technology Companies: A Review

Adedoyin Tolulope Oyewole,

Bisola Beatrice Oguejiofor,

Nkechi Emmanuella Eneh

et al. 2024

Comput. sci. IT res. j.

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In an era where the digital transformation of financial services is both a boon and a battleground, this paper meticulously navigates the intricate relationship between Financial Technology (FinTech) and the evolving landscape of data privacy laws. With the digital economy's expansion, FinTech companies stand at the forefront of innovation, offering unprecedented financial inclusion and efficiency opportunities. However, this rapid advancement also raises significant concerns regarding data privacy and consumer protection, necessitating a delicate balance between innovation and compliance. This study aims to dissect the complexities inherent in this relationship, exploring the impact of data privacy laws on FinTech, regulatory compliance challenges, and opportunities for fostering trust and innovation within the digital financial ecosystem. Employing a qualitative research design, the paper delves into a comprehensive review of scholarly literature, legal documents, and regulatory frameworks to illuminate the multifaceted dynamics at play. The findings reveal a nuanced "Innovation Trilemma," where FinTech's drive for innovation often collides with the imperative for market integrity and regulatory clarity. The study underscores the critical role of ethical considerations in FinTech adoption, highlighting the importance of integrating ethical practices to safeguard consumer rights and data protection. Conclusively, the paper advocates for regulatory adaptability, ethical innovation, and collaborative engagement among stakeholders as essential strategies for navigating the complexities of the digital financial landscape. It calls for a concerted effort to foster an ecosystem where innovation thrives alongside robust consumer protection and market integrity, paving the way for a sustainable, inclusive and ethically grounded FinTech future. Keywords: Financial Technology, Data Privacy Laws, Regulatory Compliance, Innovation Trilemma, Ethical FinTech, Digital Financial Ecosystem.

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Section: The Intersection Of Data Privacy Laws and Fintechmentioning

confidence: 99%

Data Privacy Laws and Their Impact on Financial Technology Companies: A Review

Adedoyin Tolulope Oyewole,

Bisola Beatrice Oguejiofor,

Nkechi Emmanuella Eneh

et al. 2024

Comput. sci. IT res. j.

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“…Pengawasan refresif diatur dalam Pasal 9 huruf c pada UU No 21 Tahun 2011 tentang OJK yang menjelaskan bahwa perlindungan refresif dapat dilakukan dengan cara melaksanakan pengawasan, pemeriksaan,penyidikan dan perlindungan konsumen bagi perusahaan jasa keuangan. 19 Upaya perlindungan hukum dapat dilakukan dengan melakukan pengawasan baik secara langsung maupun tidak langsung. Pengawasan secara langsung dapat dilakukan dengan cara melakukan mengecekan secara langsung tanpa menerima laporan maupun masukanmasukan masyarakat.…”

Section: Perlindungan Hak Nasabah Dari Bocornya Data Pribadi Akibat P...unclassified

Perlindungan Hak Pengguna Pinjaman Online Dari Bocornya Data Pribadi Akibat Penagihan Hutang Pinjaman Online Ilegal

Noviyanti

Purwanti²

2022

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Penelitian ini bertujuan memberikan penyelesaian masalah berupa perlindungan hak konsumen dari penyalahgunaan data pribadi debitur yang akibat dari gagal bayar pinjaman online. Metode penelitian yang digunakan dalam penelitian ini berupa penelitian normative dengan menggunakan pendekatan perundang-undangan, pendekatan konseptual dan pendekatan fakta. Hasil penelitian ini menjelaskan bahwa pengawasan dan pengaturan tentang pinjaman online telah diatur dalam Peraturan Otoritas Jasa Keuangan Nomor 77/PJOK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi, namun upaya transaksi pinjaman online masih terdapat penagihan hutang berupa ancaman dan terror yang diikuti penyebarluasan data pribadi ke public.Banyaknya perusahaan pinjaman online illegal serta masyarakat yang mengambil jalan pintas secara instan mengakibatkan masih banyak korban akan penyebaran data pribadi tidak dapat dilindungi. This research aims to provide a solution to problems in the form of protecting consumer rights from misuse of debtor's personal data as a result of online loan defaults. The research method used in this research is normative research using a statutory approach, conceptual approach and a fact approach. This study concludes that the supervision and regulation of online loans has been regulated in the Financial Services Authority Regulation Number 77/PJOK.01/2016 concerning Information Technology-Based Borrowing and Borrowing Services, but online loan transaction efforts are still subject to debt collection in the form of threats. and terror followed by the dissemination of personal data to the public. The large number of illegal online loan companies and people who take shortcuts instantly result in many victims of the spread of personal data that cannot be protected.

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“…Akibatnya, berbagai pihak bersaing satu sama lain untuk memfasilitasi pengajuan pinjaman dan proses pembayaran kembali. (Pradnyawati et al, 2021).…”

Section: Pendahuluanunclassified

Penggunaan Layanan Aplikasi Pinjaman Kredit Online Ditinjau dari Perspektif Hukum Perjanjian

Dwiyanti¹,

Budiartha

Arini

2022

JPH

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This study aims to analyze and describe the validity of credit agreements through online applications and legal protection for injured parties in credit agreements through online applications. With the presence of fintech, it is caused by the transition from people's lifestyles that continue to develop. Online loan services are now starting to be widely discussed in the community. although with many acts of terror with unpleasant actions by using illegal online loans. In this case, the researcher uses normative or library methods, literature studies with secondary data such as laws, court decisions, and legal theories. With the results obtained in the study that the validity of the credit agreement cannot be separated from the validity of the agreement, namely in Article 1320 of the Civil Code through online applications, there are two types of protection for victims, where the first legal protection is preventive protection measures regulated in Article 29 POJK Number 77 /POJK.01/2016, while repressive protection for victims can file complaints and disputes can be resolved quickly. Complaints from users of Fintech services to platform organizers and immediately to take action.

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Perjanjian Pinjaman Online Berbasis Financial Technology (Fintech)

Cited by 8 publications

References 5 publications

Data Privacy Laws and Their Impact on Financial Technology Companies: A Review

Data Privacy Laws and Their Impact on Financial Technology Companies: A Review

Perlindungan Hak Pengguna Pinjaman Online Dari Bocornya Data Pribadi Akibat Penagihan Hutang Pinjaman Online Ilegal

Penggunaan Layanan Aplikasi Pinjaman Kredit Online Ditinjau dari Perspektif Hukum Perjanjian

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