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All Journal Spektrum Hukum Unes Law Review Semarang Law Review International Journal of Sociology and Law Mahkamah: Jurnal Riset Ilmu Hukum
Hono Sejati
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Education Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences

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Legal Protection for Consumers for Personal Data in the Use of Financial Technology Alexander Salim; Hono Sejati; Tri Susilowati
UNES Law Review Vol. 6 No. 4 (2024)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i4.2161

Abstract

Financial technology is a term that refers to the use of technology to improve and simplify financial services. Fintech includes a variety of applications, services, and products that use technology to provide more efficient, faster, and more accessible financial services for consumers and businesses. Although the Fintech business offers many benefits, its enactment also carries potential risks. The two major risks faced are consumer data security and transaction errors. The risk of data privacy security is that Fintech often relies on digital data, so cyber security and data privacy risks are a big concern, cases of hacking, identity theft, and data leaks can have a significant impact on consumers, while what is meant by the risk of transaction errors is that the majority of Fintech transactions are digitally conducted, technical errors or system failures can result in transaction errors, which can be detrimental to consumers or companies. These two risks can cause losses for all parties involved in the Fintech business. The emergence of online crimes, such as data interception, hacking, and cybercrime in financial transactions, has made people skeptical of online transactions. Legal protection for consumers' personal data is essential because personal data includes sensitive information to identify, track, or exploit individuals. Forms of legal protection related to fintech personal data are regulated in Minister of Communication and Information Regulation Number 20 of 2016 concerning the Protection of Personal Data in Electronic Systems, Financial Services Authority Regulation Number 13/POJK.02/2018 concerning Digital Financial Innovation, and Financial Services Authority Regulation Number 1/POJK. 07/2013 concerning Consumer Protection in the Financial Services Sector
Validity of Digital Signature Evidence as Valid Evidence in Civil Procedure Law Neilpon Yulinar Marquez; Hono Sejati; Mohamad Tohari
UNES Law Review Vol. 6 No. 4 (2024)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i4.2163

Abstract

Indonesia is entering a globalization era that drives technological advancements and business activities towards greater efficiency, particularly in the form of e-commerce. The use of Digital Signatures in its development is starting to shift the dominance of conventional signatures in agreements typically made on paper. Based on civil procedural law systems, judges are bound by valid evidence, implying that judicial decisions are limited by the evidence regulated by the law (HIR/RGB). This study adopts a doctrinal approach, examining law based on legislative regulations and legal concepts, and utilizing various data sources such as primary, secondary, and tertiary legal documents. Data collection methods include legal literature, legislative regulations, scientific literature, and relevant internet information on the discussed topic. The research findings indicate that a digital signature is not a replica of a conventional signature scanned using a scanner, but rather utilizes cryptographic techniques. The principle of lex specialis derogat legi generali states that the use of digital signatures in Civil Procedural Law holds a legal equivalence to authentic deeds.
Co-Authors Agus Joko Lelono Alexander Salim Loeky Kristanto Mohamad Tohari Muhammad Zainuddin Neilpon Yulinar Marquez Rene Zakharia Pongsilurang Tri Susilowati Wieke Dewi Suryandari