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Agustianto Agustianto, Agustianto
Universitas Internasional Batam
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Consumer Protection Efforts in Financial Technology (Fintech) Transactions from A Legal and Human Rights Perspective in Indonesia Eva Alya Putri; Agustianto Agustianto
Conference on Business, Social Sciences and Technology (CoNeScINTech) Vol. 6 No. 1 (2026): Conference on Business, Social Sciences and Technology (CoNeScINTech) - Article
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/conescintech.v6i1.12805

Abstract

Technological advancements in the financial services sector, particularly in peer-to-peer digital lending models, have opened up broader opportunities for the public to access funds. This innovation also serves to expand the reach of financial services, enabling more segments of society to be served within Indonesia’s formal financial system. While offering many conveniences, these advancements have also raised a number of legal issues, particularly regarding the protection of user rights, the safeguarding of personal information, and the potential for human rights violations in digital financial activities. Incidents such as data breaches and misuse, unethical collection practices, and the imbalance of power between service providers and users demonstrate that legal protections for the public remain inadequate and require further strengthening. This study is designed to examine forms of consumer protection in fintech activities in Indonesia from the perspectives of law and human rights. Additionally, this research discusses available dispute resolution mechanisms and preventive measures to minimize violations of users’ rights. The research methodology employed in this study adopts a normative legal approach focused on analyzing statutory provisions, with supported by a literature review through the examination of primary, secondary, and tertiary legal sources. The research findings indicate that consumer protection efforts in the fintech sector have actually been accommodated in various legal provisions, such as regulations regarding consumer protection, rules related to electronic transactions, provisions on personal data protection, as well as policies issued by financial sector supervisory authorities and monetary institutions in Indonesia
Artificial Intelligence Regulation in Indonesia: A Normative Study of Deepfake Misuse Within the Risk-Based Regulation Framework Fanissa Dara Safina; Agustianto Agustianto
Conference on Business, Social Sciences and Technology (CoNeScINTech) Vol. 6 No. 1 (2026): Conference on Business, Social Sciences and Technology (CoNeScINTech) - Article
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/conescintech.v6i1.12806

Abstract

The rapid development of Artificial Intelligence (AI) has accelerated the emergence of deepfake technology, which offers significant benefits in fields such as entertainment, education, and digital content creation but also poses serious legal and societal risks. The misuse of deepfakes has contributed to privacy violations, identity theft, defamation, misinformation, fraud, and other forms of cybercrime. In Indonesia, the current legal framework remains inadequate because existing regulations are fragmented, reactive, and lack specific provisions governing deepfake technology. This study aims to analyze the adequacy of Indonesian legal regulations in addressing deepfake misuse and to propose the adoption of a risk-based regulation approach as a more adaptive and comprehensive regulatory framework. This research employs a normative legal method using statutory and conceptual approaches by examining relevant legislation, including the Electronic Information and Transactions Law, the Personal Data Protection Law, and the Indonesian Criminal Code. The findings indicate that Indonesia's legal framework primarily relies on broad interpretations of existing laws, resulting in legal uncertainty and limited preventive capacity. In contrast, a risk-based regulation approach classifies AI applications according to their level of risk and imposes proportional legal obligations, including transparency, accountability, and preventive risk management. The study concludes that adopting a risk-based regulatory framework would strengthen Indonesia's legal system by improving legal certainty, protecting individual rights, and ensuring a more effective balance between technological innovation and public safety.
Co-Authors Actika Actika Agustini, Shenti Alfis Setyawan Angelina Julia Renaldi Angelyn, Angelyn Anjani, Indra Afgha Arwin Samuel Averina Zoraya Ayunda, Rahmi Az-Zahra’, Putri Nabila Bago, Ester Intensis Bajury, Mimi Sintia Mohd Birul Walidaini Carrolyn Febrianti Celine Tio Celvian Celvian Dicky Ananta Huns Disemadi, Hari Sutra Djahwasi, Herry Rizal Dwi Fidhayanti Eghie Mulyadi Purba Elza Syarief, Elza Eny Eny Eva Alya Putri Fanissa Dara Safina Farahdina, Farahdina Febriyani, Emiliya Fenny Royentricia Fernando Fernando, Fernando Fitri, Winda Friska Laurika Munthe Fu'adi, Fu'adi Grace Onggradini Hendra Hendra Hengky Lau Heni Kusumawati Hennie Selviani Henry Soelistyo Budi, Henry Soelistyo Hutauruk, Rufinus Hotmaulana Indah Waty Indra Indra Intan Triana Putri Irawati, Jovita Jaya, Febri Jocelyn Marvella Johnson Wijaya Jollyn Jollyn Kellyn Kellyn Kristina Dwi Putri Lau, Jonathan Lisa Teo Lu Sudirman Lyvia Lyvia M.Arif Rivady Mawarni Mawarni Melinda Melinda Meri Yanti Michael T. Sacramed Murtiono, Hendro Nadia Carolina Weley Nadila Agatha Fristy Nipon Sohheng Nur Fatihah Nurlaily Nurlaily NURLAILY, NURLAILY Oda Ignatius Besar Hariyanto, Oda Ignatius Besar Olinda Viviani Paolo Tandiono Puteri Ariesta Nadia Putri, Kristina Dwi Ramadhan, Muhammad Tri Andika Ratih Anggraini, Ratih Richmond Richmond Ronaldo Calvin Pua Rusdiana, Shelvi Selina Selina Setiawan, Marthalia Sheren Angelina Sihombing, Dame Afrina Sinambela, Fitriana Aidnilla Siregar, Abigael Hosanna Situmeang, Ampuan Sofia Sofia, Sofia Sovina Sovina Sritanto -, Sritanto Suryati Suryati Suryati Suryati Tan, David Tan, Winsherly Tantimin, Tantimin Tivonli Kirtan Tomi Suhendra Pardede Tomi Vincent Tracy Tay Triana Dewi Seroja Trinh, Hien Trisetyo, Muhammad Dhimas Vito Vito Willsen Austin Windi Afdal, Windi Yeny Sartika Yunike Juniarti Fitria