Abstract
<p>Information and communication technology has changed the behavior of society and human civilization worldwide. Its development has made the world borderless, and significant social changes are taking place rapidly. In addition to contributing to the improvement of welfare, progress, and human civilization, it has also become an effective means for illegal acts. Illegal acts occur in the development of the financial technology industry. In order to prevent unlawful acts, it is necessary to use privacy reliability certificates by financial sector companies based on Bank Indonesia Regulation No. 3 of 2023 and OJK Regulation No. 6 of 2022. The research method used is normative juridical. The research is conducted using primary data in the form of field studies as well as the use of library materials or secondary data that includes primary, secondary, and tertiary legal materials. This research aims to find out how the implementation of the obligation to use the Privacy Reliability Certificate by financial sector companies is based on the Indonesian Cyber Law, in order to better ensure consumer protection.</p><p>Keywords: Keywords: Privacy Reliability Certificate, Financial Technology Industry, Consumer Protection.</p>
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