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All Journal Jurnal Teknologi Dan Industri Pangan Teknotan: Jurnal Industri Teknologi Pertanian Rekayasa Sipil Jurnal Dinamika Penelitian Industri Jurnal Manajemen Indonesia Jurnal Politikom Indonesiana Jurnal Riset Teknologi Industri Berajah Journal Jurnal Ilmiah Teknik Informatika dan Komunikasi Da'watuna: Journal of Communication and Islamic Broadcasting Journal of Engineering, Electrical and Informatics
Tri Susanto
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Religion Agriculture, Biological Sciences & Forestry Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Mechanical Engineering Social Sciences Other

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ANALISIS HUKUM TERHADAP KEBIJAKAN PEMERINTAH DALAM PENGEMBANGAN FINTECH DI INDONESIA Imam Fathwa; Pandri Zulfikar; Bayu Triwibowo; Tri Susanto; Ratu Chumairoh Noor
Berajah Journal Vol. 6 No. 3 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i3.536

Abstract

The development of financial technology (fintech) in Indonesia has fundamentally transformed the paradigm of financial services, driving financial inclusion and digital economic growth. The Indonesian government, through the Financial Services Authority (OJK) and Bank Indonesia (BI), has formulated various policies to regulate and develop the fintech ecosystem. However, these policies face complex legal challenges, including the balance between innovation and financial system stability, consumer protection, and alignment with national interests. This study aims to analyze the legal framework of government policies in fintech development in Indonesia, identify regulatory gaps, and formulate improvement recommendations. The method used is normative legal research with statutory, conceptual, and comparative approaches. The results indicate that Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector (P2SK Law) provides the main legal umbrella, but its implementation still faces challenges related to fragmented authority, regulatory imbalance between innovation and protection, and limited oversight of new business models such as decentralized finance (DeFi). This study recommends harmonization of regulations across agencies, strengthening of the regulatory sandbox, and establishment of a single fintech supervisory authority to enhance policy effectiveness
Co-Authors Achmad Subagio Ahmad Nafi Annie Myranika Bayu Triwibowo Bilpen Nainggolan Chasri Nurhayati Darmawan Listya Cahya Dian Retno Widayati Dita Mentari Putri Eko Pramono Evy Kurniati Fithri Choirun Nisa Frima Roza Hana Amelia Hanggoro Iskandar Putra Wijaya Hari Adi Prasetya Hasnah Aziz I Ketut Putra Yasa Imam Fathwa K.J. Hartono Kiagus Ahmad Roni Legiso, Legiso Marsya Luna Lestari Maylinda Rahmawati, Birty Miftahudin , Miftahudin Muhammad Ramdhani Mustofa Kamil Nesi Susilawati Nurud Diniyah Oky Oxcygentry Oky Oxygentri Pandri Zulfikar Popy Marlina Popy Marlina Rahmaniar Rahmaniar Ratu Chumairoh Noor Rifki Rifki Salsabila Ahadini Nurahmat Siti Humulhaer Siti Ropiah Syamsul Bahri Williamzu Williamzu Wiwi Widayani