Abstract
Financial Technology, one of the disruptive innovations that restructures aspects of the financial industry and influences people's lifestyles, needs to be balanced with the fulfillment of accommodative legal development. Efforts to develop Financial Technology has caused the technical and service problems. These problems can be minimized by the construction of a legal component both in terms of substance which to date has been deemed inadequate, as well as the institutional aspect of authority, namely the OJK which is considered to be incapable in accommodating the legal aspects of Financial Technology. As a normative juridical research using legislation and conceptual approaches, the focus of the author here is to annotate legal buildings that cannot guarantee legal protection in the development of Financial Technology in an ideal manner. What needs to be underlined is that the development of Financial Technology should require Technology Ethics considerations that can affect Indonesia's readiness in facing the Disruptive Era. This is where the idea of Technology Ethics needs to be penetrated in legal convergence to create a more ideal legal order.
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