Abstract
This study is intended to determine the cybercrime challenges faced by the fintech industry as well as anticipatory actions in the form of cybersecurity to overcome these challenges. This study employs a systematic literature review method from various articles discussing cybercrime and cybersecurity in fintech that were published in reputable online databases. The findings indicate that cybercrime problems in fintech consist of cybercrime regulations that are not strict, data and information theft, and intellectual property theft in which impacting on the reputation of fintech. Cybersecurity as an attempt to tackle cybercrime in fintech can be performed through proactive action, strengthening regulations, and establishing a reliable cybersecurity framework or procedure. The implications of this research are as an additional reference for academics, practitioners, regulators, and fintech actors related to the fast pace development of cybercrime and cybersecurity in fintech. The limitation of this study is that it only provides an overview and elaborate the results of prior studies instead of provide a further analysis of the relationship between the articles discussed. Recommendations for further research are to increase the scope of the articles studied or apply other literature review methods or conduct empirical research to confirm the results of this study.
Highlights
Penelitian ini bertujuan untuk mengetahui tantangan cybercrime yang dihadapi industri fintech serta tindakan antisipasi berupa cybersecurity untuk menanggulangi tantangan tersebut
The findings indicate that cybercrime problems in fintech consist of cybercrime regulations that are not strict, data and information theft, and intellectual property theft in which impacting on the reputation of fintech
Guna melakukan mitigasi terhadap tantangan cybercrime tersebut diperlukan cybersecurity melalui tindakan proaktif, penguatan regulasi dan pembentukan kerangka kerja atau prosedur cybersecuriy yang handal, efektif dan efisien
Summary
Fintech mengalami kendala regulasi dan penerapannya, sebab regulasi sering lambat merepon perkembangan teknologi informasi dan komunikasi yang berkembang drastis. Potensi serangan cybercrime pada fintech menyebabkan risiko hilang, berubah atau bocornya suatu data atau informasi yang dimiliki fintech, sebab ancaman cybercrime selalu lebih unggul dibandingkan dengan cybersecurity yang dimiliki fintech, sehingga diperlukan pembaharuan cybersecurity untuk menanggulangi segala bentuk ancaman cybercrime yang mengalami perkembangan pesat dari waktu ke waktu (Akhta et al, 2021). Berkembangnya teknologi inovatif maka muncul peningkatan pencurian hak kekayaan intelektual berupa pencurian hak paten, hak cipta dan rahasia dagang yang diawali dengan serangan cybercrime pada fintech yang menjadi korban (Al-Harrasi et al, 2021). Perkembangan fintech yang sangat pesat rentan terhadap serangan cybercrime, sehingga fintech harus merencanakan dan membangun cybersecurity yang handal dan efektif untuk melindungi data dan keuangan dari serangan cybercrime yang sewaktu-waktu dapat melanda fintech. Langkah terbaik untuk melindungi data dan informasi fintech dengan menerapkan cybersecurity yang handal sejak awal bisnis fintech digagas dan cybersecurity harus menjadi prioritas utama. Langkah yang dapat ditempuh untuk melindungi fintech dari serangan cybercrime meliputi:
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