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All Journal Masalah-Masalah Hukum LAW REVIEW Jurnal Akta International Journal of Law Reconstruction Jurnal Selat Widya Yuridika Sociological Jurisprudence Journal Awang Long Law Review Unes Law Review Kosmik Hukum Pena Justisia: Media Komunikasi dan Kajian Hukum University Of Bengkulu Law Journal Journal of Law and Policy Transformation Jurnal Yustisiabel Ganesha Law Review Legal Spirit ARBITER: Jurnal Ilmiah Magister Hukum Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Jurnal Komunitas Yustisia Journal of Judicial Review Jurnal Independent Journal of Law, Poliitic and Humanities Lex Publica Conference on Management, Business, Innovation, Education and Social Sciences (CoMBInES) Conference on Community Engagement Project (Concept) Madani: Jurnal Pengabdian Masyarakat dan Kewirausahaan Kanun: Jurnal Ilmu Hukum Jurnal Mediasas : Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah
FL. Yudhi Priyo Amboro, FL. Yudhi Priyo
Universitas Internasional Batam
Religion Aerospace Engineering Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Other

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Digital Democracy and Open Finance Technology: Advancing Transparency and Consumer Digital Rights Amboro, Yudhi Priyo; Peter Macnico; Winsherly Tan; Mimi Sintia Mohd Bajury
Lex Publica Vol. 12 No. 2 (2025)
Publisher : APPTHI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58829/lp.12.2.2025.295

Abstract

This research explores the role of Open Finance in strengthening Indonesia’s digital democracy, with a focus on transparency, digital consumer rights, and data oversight. While Open Finance has the potential to increase financial inclusion through the integration of alternative data for marginalized groups, such as MSMEs and rural communities, the practice of massive data sharing risks threatening democratic principles, such as data being vulnerable to mass surveillance, algorithmic discrimination, and weak regulatory accountability. A comparative analysis of the UK (CMA Order) and Australian (Consumer Data Rights) regulatory models highlight the importance of algorithmic transparency, granular consumer control over data, and public participation mechanisms in policymaking. In Indonesia, the suboptimal implementation of the Personal Data Protection Law (PDP Law), the digital literacy gap, and disparities in technological infrastructure are key challenges.
Co-Authors Afandi, M Agustina Christi Anjawai, Namrysilia Buti Ariani, Merizqa Arika, Defi Bryan Simanjuntak Christina Christina Christine Christine dede agus, dede Dedyanto Dedyanto Defi Arika Diki Diki Efendi, Syamsul Eko Nurisman Elizabeth Gunawan Elviani Elviani Elza Syarief, Elza Essty Yana Fandias Fandias Fendy Fendy H. Hutauruk, Rufinus Hadiyati, Nur Halawa, Filemon Hermanto Hermanto Hutauruk, Rufinus H. Hutauruk, Rufinus Hotmaulana Indra Hengky Insti, Putri Deviana Jemmy Edi Joseline Junimart Girsang Kendry Tan Khusuf Komarhana Lily Persyadayani Lu Sudirman Lu Sudirman Manurung, Kristie Sugama Maysura, Neha Aswin Melisa Irianti Mende Mende, Melisa Irianti Miftahul Jannah Mimi Sintia Mohd Bajury Mimi Sintia Mohd Bajury Muhammad Sabir Rahman Neha Aswin Maysura Ng Catharina Enggar Kusuma Novita Novita Novri, Novrianti Nur Hadiyati Nurisman, Eko Nurlaily Nurlaily NURLAILY, NURLAILY Nurul Fazri Elfikri Okta Feryanto Peter Macnico Puspita, Viona Rika Permatasari, Rika Rina Shahriyani Shahrullah Risky Hadi Putra rohani, aceng asnawi Rudiansyah Rudiansyah Rufinus H. Hutauruk Shahrullah, Rina Silviani, Ninne Zahara Simanjuntak, Bryan Simanjuntak, Kristi W Situmeang, Ampuan Steven Steven Sugianto, M Udik Suriani Suriani Tan, Winsherly Triana Dewi Seroja Triana Dewi Seroja Uji Febianika Viona Puspita Wan Rosalili Wan Rosli Warianto, Wahyudi Weley, Nadia Carolina Wulandari, Frisca Yana, Essty Yudi Kornelis Yudi Kornelis Yudi Kornelis, Yudi Yuly Milyarti Wijaya