<![CDATA[In the digital era, technological developments are increasingly rapid, and their existence has begun to penetrate into various aspects of life, such as in the world of finance or the economy. This is marked by the emergence of technology and information-based financial institutions or known as fintech. Starting from this, a question arises on how to implement information technology-based lending and borrowing (peer to peer lending) in Indonesia and how to protect the recipients of the loan (customers). This research is in the form of juridical-normative. The results of this study concluded that there were violations committed by the lender to the customer, and the sanctions imposed were only administrative sanctions with the worst consequence being license revocation. In this regards, obviously it does not provide a sense of justice to the customers, considering the crimes that have been committed, therefore the role of criminal law is very important here, by implementing sanctions related to these crimes, such as the dissemination of personal data, threats in billing, sexual harassment through electronic media, fraud and slander.Key Words: Fintech; peer to peer lending; protection of customersAbstrakEra digital perkembangan teknologi kian pesat, dan keberadaanya pun mulai merambah ke berbagai aspek kehidupan, seperti halnya dalam dunia keuangan atau ekonomi. Hal ini ditandai dengan munculnya lembaga keuangan berbasis teknologi dan informasi atau dikenal dengan fintech. Bermula dari hal tersebut timbul suatu pertanyaan mengenai bagaimana pelaksanaan pijam meminjam berbasis teknologi informasi (peer to peer lending) di Indonesia dan bagaimana perlindungan terhadap penerima pinjaman (nasabah). Penelitian ini berbentuk yuridis-normatif. Hasil penelitian ini menyimpulkan bahwa terjadi pelanggaran yang dilakukan pemberi pinjaman kepada penerima pinjaman (nasabah), dan sanksi yang dijatuhkan hanya sebatas sanksi administratif dengan konsekuensi terparahnya yaitu pencabutan izin. Mengenai hal tersebut tentu saja tidak memberikan rasa keadilan terhadap nasabah, mengingat tindak kejahatan yang sudah dilakukan, oleh sebab itu peran hukum pidana sangat penting di sini, dengan cara menerapkan sanksi-sanksi yang berkaitan dengan kejahatan tersebut, seperti penyebaran data pribadi, pengancaman dalam penagihan, pelecehan seksual melalui media elektronik, penipuan dan fitnah.Kata Kunci : Fintech; peer to peer lending; perlindungan terhadap nasabah]]>
