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All Journal Jurnal Ekonomi dan Bisnis GROWTH (JEBG) Journal of Central Banking Law and Institutions
Alex Kurniawan
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Legal Issues of Personal Data Protection and Consumer Protection in Open API Payments Camila Amalia; Esha Gianne Poetry; Mochamad Kemal Kono; Dadang Arief Kusuma; Alex Kurniawan
Journal of Central Banking Law and Institutions Vol. 1 No. 2 (2022)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jcli.v1i2.19

Abstract

Digital financial innovation in Indonesia demands equal disclosure of data and information between banks and financial technology (fintech) companies through the Open API. Bank Indonesia as the authority in the payment system issued a series of regulations to regulate the standardization of Open API Payments to create data disclosure integrity, as well as improve personal data protection and consumer protection in open banking. This paper will review several legal aspects that have emerged, and it will be assessed whether the current provisions have addressed a number of these legal aspects. This paper uses a normative juridical approach with a descriptive analysis specification, which uses laws and regulations as the primary material. Based on research, currently existing regulations have succeeded in addressing the legal aspects of the Open API Payment. However, to strengthen consumer rights in the Open API Payments, it is still necessary to enact a Personal Data Protection Law (PDP Law) and amend the Consumer Law that is more in favor of the interests of consumers.
ANALISIS BRAND EQUITY TERHADAP KEPUTUSAN PEMBELIAN SEPEDA MOTOR HONDA BEAT (Studi Kasus Pada Mahasiswa Universitas Muhammadiyah Jember) Kurniawan, Alex; Sumowo, Seno; Puspitadewi S, Ira
Growth Vol 20 No 2 (2022): November
Publisher : Relawan Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/growth-journal.v20i2.2020

Abstract

This study aims to examine and analyze the effect of brand equity (brand awareness, brand association, perceived quality and brand loyalty) on purchasing decisions for Honda Beat products at Muhammadiyah University Jember students. Honda Beat products are now quite a trend among young people, especially students. Brand equity or brand equity is the variable raised in this study because it is a set of brand assets and liabilities related to a brand, its name and symbol, which increase or decrease the value provided by an item or service to the company or the company's customers. This type of research is causality research. The population in this study were students from the Muhammadiyah University of Jember who used Honda Beat motorcycles. The sample used was 75 respondents. The analysis tool uses multiple linear regression. The results of the study prove that brand equity (brand awareness, brand association, perceived quality and brand loyalty) has a significant partial and simultaneous effect on purchasing decisions for Honda Beat products for students at the Muhammadiyah University of Jember.
Co-Authors Camila Amalia Dadang Arief Kusuma Esha Gianne Poetry Mochamad Kemal Kono Puspitadewi S, Ira Sumowo, Seno