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All Journal Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Masalah-Masalah Hukum LAW REFORM Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan Al-Ahkam Diponegoro Law Review El-Mashlahah Economica: Jurnal Ekonomi Islam Jurnal Ilmiah Al-Syir'ah Istinbath: Jurnal Hukum dan Ekonomi Islam ADLIYA: Jurnal Hukum dan Kemanusiaan Jurnal Ilmiah Dunia Hukum Walisongo Law Review (Walrev) Journal La Sociale Al-Manahij : Jurnal Kajian Hukum Islam Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Journal of Law, Poliitic and Humanities Ulil Albab Lex Scientia Law Review Indonesian State Law Review (ISLRev)
Afif Noor
Universitas Islam Negeri (UIN) Walisongo Semarang
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Lex Scientia Law Review

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Digital Economy Regulation and Consumer Rights Protection: Realizing Security in Financial Technology Transactions Noor, Afif; Maskur, Ali; Wulandari, Dwi; Afif, Aqila-Syarief Muhammad; Azmi, Muhammad Fazli
Lex Scientia Law Review Vol. 9 No. 2 (2025): November, 2025: Law, Policy, and Governance in Contemporary Socio-Economic Tran
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/lslr.v9i2.24927

Abstract

Financial technology has experienced rapid expansion amidst the digital economic development that has made services more accessible while increasing financial inclusion. The rapid growth of financial technology creates substantial challenges for consumer protection. The primary problems arise from inadequate data protection measures and electronic payment security protocols. The lack of proper security measures and insufficient digital literacy exposes consumers to increasing risks of data theft, phishing attacks, and personal information misuse. This research evaluates the current regulatory structure that defends consumer rights and ensures secure financial operations through technological systems. The study adopts a normative legal research method through statutory analysis. The research shows that Indonesia's regulatory framework extends broad protection but requires modernization to address contemporary technological developments and emerging security risks. Fintech requires a regulatory framework that adjusts to evolving conditions while fostering partnerships to deliver adequate consumer protection.
Co-Authors Abdul Ghofur Adila, Arina Hukmu Afif, Aqila-Syarief Muhammad Aisa Rurkinantia Ali Maskur Ali Maskur Anwar, Maulana Arifana Nur Kholiq, Arifana Nur Arifin, Moh. Asari, Aang Azmi, Muhammad Fazli Bagas Heradhyaksa Damanik, Ade Zuki Dimas Fahmi Fikri Dimas Fahmi Fikri Dwi Wulandari Dwi Wulandari Dwi Wulandari Fittria, Anis Habib, Muhammad Akmal Ichrom, Mohamad Kamila, Najma Maruf Maruf, Maruf Masriani . Moh. Arifin Muhamad Zainal Mawahib Reza Fachruddin, Mohammad Saifudin Saifudin Saputro, Edy Supangat Syamsiar, Syamsiar