Legal Perspective on Consumer Personal Data Protection in Fintech Services

Siti Nur Halizah; Rahayu Mardikaningsih

doi:10.37477/sev.v9i2.533

Siti Nur Halizah Universitas Sunan Giri Surabaya
Rahayu Mardikaningsih Universitas Sunan Giri Surabaya

DOI: https://doi.org/10.37477/sev.v9i2.533

Keywords: Fintech, Legal Relations, Legal Protection, Consumer Personal Data

Abstract

The development of science and technology has significantly affected the financial transaction system in Indonesia, especially with the emergence of the Fintech business model. The rapid growth of Fintech indicates the need for smart management in order to provide optimal benefits to society. However, the potential misuse of consumers' personal data poses a risk that needs to be considered. This research uses a normative juridical and analytical descriptive approach to understand the legal dynamics in the Fintech industry and legal measures aimed at Safeguarding user data security in Indonesia, in accordance with the provisions of Financial Services Authority Regulation Number 13/Pojk.02/2018. The results show that Fintech business organizers and users have a relationship that is regulated through an electronic agreement. The legal safeguarding of personal data for Fintech user is governed by Financial Services Authority Regulation Number 1/Pojk.07/2013 and other pertinent regulations, addressing aspects such as confidentiality, data security, and the governance and risk management of information technology.

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Peraturan Perundang-Undangan
Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 13 /Pojk.02/2018 Tentang Inovasi Keuangan Digital Di Sektor Jasa Keuangan.
Peraturan Pemerintah Nomor 82 Tahun 2012 tentang Penyelenggaraan Sistem dan Transaksi Elekronik.
Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan.
Peraturan Otoritas Jasa Keuangan Nomor: 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan.
Surat Edaran Otoritas Jasa Keuangan Nomor 14/SEOJK.07/2014 Tentang Kerahasiaan Dan Keamanan Data Dan/Atau Informasi Pribadi Konsumen.
POJK Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.
Peraturan Bank Indonesia Nomor 19/12/2017 tentang Penyelenggaraan Teknologi Financial.