Abstract
The aim of this study is to determine the legal protection of consumer data security in Indonesia Fintech business based on the Financial Service Authority (Otoritas Jasa Keuangan-OJK) Regulation and other related ordinance. The approach method used in this study is normative juridical. The study result explains that the parties of Fintech business consist of Fintech organizer (producer) and Fintech user (consumer). The relation among the parties is created due to an electronic contract. Basically, the protection of Fintech consumer personal data is regulated in Communication and Information Minister Regulation, Bank Indonesia Regulation, and Financial Service Authority Regulation. In addition, the protection of data was regulated in the Financial Service Authority Circular Letter.
Highlights
The aim of this study is to determine legal protection of consumer data security in Indonesia Fintech business based on Financial Service Authority (Otoritas Jasa Keuangan-OJK) Regulation and other related ordinance
The study result explains that the parties of Fintech business is consisted of Fintech organizer and Fintech user
The protection of Fintech consumer personal data is regulated in Communication and Information Minister Regulation, Bank Indonesia Regulation, and Financial Service Authority Regulation
Summary
PERLINDUNGAN HUKUM TERHADAP KEAMANAN DATA KONSUMEN FINANCIAL TECHNOLOGY DI INDONESIA. Penelitian ini bertujuan untuk mengetahui perlindungan hukum terhadap keamanan data konsumen dalam bisnis Fintech di Indonesia, berdasarkan Peraturan Otoritas Jasa Keuangan, dan peraturan terkait. Perlindungan terhadap data pribadi konsumen Fintech diatur dalam Peraturan Menteri Komunikasi dan Informatika, Peraturan Bank Indonesia dan Peraturan Otoritas Jasa Keuangan. The aim of this study is to determine legal protection of consumer data security in Indonesia Fintech business based on Financial Service Authority (Otoritas Jasa Keuangan-OJK) Regulation and other related ordinance. Pesatnya pertumbuhan perusahaan Fintech juga dikarenakan Fintech menawarkan beragam layanan keuangan yang sangat membantu masyarakat dalam menjalankan roda perekonomian menjadi lebih efektif dan efisien khususnya sektor keuangan.[5] Namun dalam pelaksanaannya ternyata bisnis Fintech memiliki potensi risiko, setidaknya ada dua potensi risiko yaitu risiko keamanan data konsumen dan risiko kesalahan transaksi.[6] Kedua risiko tersebut kemudian akan membawa kerugian pada masing-masing pihak dalam bisnis Fintech. Permasalahan yang ingin dibahas yaitu: Bagaimana hubungan hukum para pihak dalam bisnis Fintech di Indonesia? Bagaimana perlindungan hukum terhadap keamanan data konsumen dalam bisnis Fintech di Indonesia?
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