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All Journal Pena Justisia: Media Komunikasi dan Kajian Hukum Journal of International Multidisciplinary Research
Hendri Khuan
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Law, Crime, Criminology & Criminal Justice Other

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Innovation And Regulation: Legal Challenges In Indonesia In Responding To The Development Of Generative Artificial Intelligences Hendri Khuan; Darmawati Darmawati; Meyer Tendean; Dadin Solihin
Journal of International Multidisciplinary Research Vol. 3 No. 6 (2025): Juni 2025
Publisher : PT. Banjarese Pacific Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62504/jimr1267

Abstract

Penelitian ini menganalisis tantangan hukum dalam menyeimbangkan inovasi Generative AI (GenAI) dan kebutuhan regulasi di Indonesia, mengidentifikasi celah regulasi, dampak sektoral, serta merumuskan rekomendasi kebijakan berbasis prinsip keadilan dan keberlanjutan. Metode: Penelitian menggunakan studi pustaka kualitatif dengan pendekatan deskriptif-analitis.  Studi mengidentifikasi tiga tantangan utama: (1) Regulasi yang tidak adaptif, di mana UU ITE, PDP, dan Hak Cipta gagal mengatur aspek krusial GenAI seperti status hukum output AI, bias algoritma, dan penggunaan data pelatihan; (2) Ambang akuntabilitas yang ambigu, menyulitkan penentuan pihak bertanggung jawab atas konten ilegal atau disinformasi berbasis AI; serta (3) Dampak sektoral tidak terantisipasi, termasuk risiko hallucination di sektor keuangan, plagiarisme pendidikan, dan disrupsi tenaga kerja kreatif. Solusi yang diusulkan mencakup regulasi berbasis risiko, amandemen UU Hak Cipta untuk ciptaan AI, kolaborasi multistakeholder, dan regulatory sandbox untuk inovasi terkendali.
The Legal Protection of Personal Data in Fintech peer-to-peer (P2P) Lending Practices: Orientation and Formulation Hendri Khuan
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 22 No. 001 (2023): Pena Justisia (Special Issue)
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v22i3.3383

Abstract

In the era of digital transformation, one prominent model of Fintech is Peer-to-Peer (P2P) lending, which offers alternative financing access through digital platforms. The protection of personal data in P2P lending becomes crucial as sensitive information such as financial and credit history is collected and processed by these platforms. Data protection regulations, like GDPR, play a vital role in maintaining the balance between Fintech innovation and individual privacy rights. This research aims to discuss the legal protection of personal data within the context of Peer-to-Peer (P2P) Lending in the realm of Financial Technology (Fintech) in Indonesia. The research methodology employed is normative law, using descriptive legal analysis. Data is gathered from various sources, including legal statutes, court decisions, legal literature, and government guidelines related to Fintech and personal data protection. Qualitative analysis is conducted to identify relevant legal provisions, explain their legal implications, and formulate improvement recommendations. The research findings reveal that personal data protection within Indonesian Fintech P2P Lending is governed by a range of regulations, including the Electronic Information and Transactions Law (UU ITE), the amended UU ITE, OJK regulations, and the Ministry of Communication and Informatics regulations. Moreover, the Omnibus Law on Job Creation provides a strong foundation for the protection of consumer personal data. Key principles in personal data protection encompass transparency, explicit consent, data security, limited data usage, fair and ethical business practices, individual rights over personal data, and data integration
Co-Authors Darmawati Darmawati Meyer Tendean Solihin, Dadin