1. Home
  2. Vol 22, No 2 (2023): Jurnal Komunikasi antar Perguruan Tinggi Agama Islam
  3. Wardani

Legal Analysis of Fintech: The Role of Law in Facing the Era of Technological Disruption

Rahmawati Mayta Wardani

Abstract


Fintech is a company that focuses on creating innovations in the field of financial services with the help of contemporary technology Fintech helps the sales process become more common. The emergence of new business models such as Fintech, increasing cybersecurity risks, changing consumer behavior, and limited access to finance are the main challenges facing the banking industry today. The era of disruption is a state when innovation, technology, and social change significantly disrupt or transform businesses, industries, and the way people live. This research is expected to help solve the problems of how the current legal framework accepts diverse and new Fintech business models and how Fintech consumer education and literacy efforts can be improved to minimize risks and increase awareness of their rights. This research collected data and information from various secondary sources, including news reports and legal documents. Through qualitative analysis using normative methods, this article also highlights the importance of a clear and comprehensive legal role for new business models, strengthening cybersecurity regulations, supporting technological innovation and development, and increasing financial inclusion. Thus, the banking industry can utilize technology to improve services, expand outreach, To encourage the healthy growth of the Fintech industry and benefit society at large, the law must be flexible and responsive to technological developments and new business models in this sector. This legal analysis of fintech aims to provide a comprehensive understanding of the various legal issues that arise in this era of technological disruption. 

Keywords


Legal Analysis; Fintech; Technological; Disruption; Bank

References


Agung Hidayat, Nur Azizah, Muannif Ridwan. 2022. "pinjaman online dan keabsahannya menurut hukum perjanjian islam." indragiri 3.

Aprita, Serlika. 2021. "Peranan peer to peer lending dalam menyalurkan pendanaan pada usaha kecil dan menengah." samudra keadilan 38-39.

budi hartono, hanung eka atmaja. 2021. "SDM Digital: strategi transformasi bank menjadi bank digital." administrasi kantor 50-51.

didik irawansah, wardah yuspin, ridwan, nasrullah. 2021. "urgensi pembentukan undang-undang fintech di indonesia: harapan dan realita di era pandemic covid 19." SASI 535.

dubi harto, lucky nugroho. 2023. "literasi keuangan."

Hadi Purwanto, Delfi Yandri, Maulana Prawira Yoga. 2022. "perkembangan dan dampak financial technology terhadap prilaku manajemen keuangan di masyarakat." jurnal manajemen, organisasi dan bisnis 81.

ni ketut yunita wulan dari, gede sri darma. 2019. "strategi investasi dan manajemen resiko rumah sakit swasta di bali." manajemen dan bisnis 114-115.

niswa, harisatun. 2023. "tantangan dan strategi pengembangan lembaga jasa keuangan non bank syariah di era distrupsi ekonomi." perbankan syariah 59-60.

Nurdin Nurdin, Winda Nur Azizah, Rusli Rusli. 2020. "pengaruh pengetahuan, kemudahan dan risiko terhadap minat bertransaksi menggunakan finansial technology pada mahasiswa IAIN palu." perbankan dan keuangan syariah vol. 2 No 2 200-203.

rokhmatun hanifah, gadang prayoga, ruhil anadiah sabrina, dona budi. 2021. "tantangan hukum peer to peer lending dalam mendorong pertumbuhan industri financial techonology." pandecta unner 195-205.

rusydiana, aam slamet. 2018. "how to develop sharia fintech industry in indonesia? interpretive structural model approach." Al-Muzara'ah 118-120.

Saut Pintubipar Saragih, Nopriadi. 2019. "pengaruh budaya terhadap actual use difital payment system pada pelaku UMKM di kota batam." JAIC 66.

Sitanggang, March Hot Asi. n.d. "memahami mekanisme crowdfunding dan motivasi berpartisipasi dalam platdorm kitabisa.com." fisipundip 2-3.

Timotius Yohanes Mamuko, Masrychin, Diah Krisnaningsing. 2022. "implementasi strategi customer relationship management pada industri financial techonology microfinance syariah di indonesia." islamic banking and finance 132-139.


Full Text: PDF

DOI: 10.15408/kordinat.v22i2.39755

Refbacks

  • There are currently no refbacks.


Bookmark and Share