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All Journal Media Hukum Indonesia (MHI)
Girsang, Rachel
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Law, Crime, Criminology & Criminal Justice

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Efektivitas Pengawasan Otoritas Jasa Keuangan (OJK) Dalam Menjamin Keamanan Dana Nasabah di Era Perbankan Digital : Studi Kasus Bank Syariah Indonesia Aini, Ailia Nur; Girsang, Rachel; Putri, Amelia Juliana; Suwarsit, Suwarsit
Media Hukum Indonesia (MHI) Vol 2, No 4 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14195708

Abstract

In the modern digital era, technological developments have driven major changes in the banking industry, enabling people to carry out convenient and efficient online transactions. This progress increases the tendency of people to save money in banks for the security of their assets, because the banking system is considered safer with the support of supervision by institutions such as the Financial Services Authority (OJK). Banks not only function as depositors of funds, but also play an important role in national economic growth through providing access to financing, lending and distributing monetary policy. Bank Syariah Indonesia (BSI), as one of the sharia-based banks in Indonesia, has adopted digital banking to strengthen services to customers according to sharia principles. Supervision of digital banks, especially by the OJK and Bank Indonesia, aims to protect customers through strict regulations regarding data security, transparency and fair treatment. In the case of cyber attacks such as ransomware that hit BSI, this security challenge shows the importance of increasing coordination between OJK, the National Cyber and Crypto Agency (BSSN), and related institutions to speed up response and recovery. This case underscores the importance of evaluating regulations and increasing the effectiveness of OJK supervision, especially in preparedness to face cyber threats, technology investment and customer education in digital banking
Urgensi Penguatan Pengawasan Terhadap Kolaborasi antara Bank Dengan Fintech Lending Dalam Sistem Hukum Perbankan di Indonesia Aini, Ailia Nur; Putri, Amelia Juliana; Adhnin, Ghariza Ardhia; Girsang, Rachel; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Collaboration between banking and fintech lending or online loans is a development that continues to emerge in the Indonesian financial system. On the one hand, this collaboration offers inclusive and efficient financial service innovations, but on the other hand it raises potential legal, operational, and consumer protection risks that have not been fully anticipated by the existing supervisory framework. This article examines the urgency of strengthening legal supervision of this collaboration, with an emphasis on regulatory gaps, overlapping supervisory authorities, and challenges in ensuring compliance with the principles of prudence and transparency. This study uses a normative legal approach with an analysis of laws and regulations, financial institution decisions, and case studies of bank-fintech collaboration. The results of the study indicate that strengthening supervision is needed through regulatory harmonization between the OJK and Bank Indonesia, affirmation of integrated supervisory mechanisms, and updates to digital risk-based policies. With this strengthening, the Indonesian banking legal system is expected to be able to accommodate the development of financial technology adaptively while protecting the stability of the financial system and consumer interests.
Co-Authors Adhnin, Ghariza Ardhia Aini, Ailia Nur B, Baidhowi Putri, Amelia Juliana