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All Journal Media Hukum Indonesia (MHI)
Herta, Daiva Ebiandre
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Law, Crime, Criminology & Criminal Justice

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Peran Otoritas Jasa Keuangan dalam Pengawasan Hukum Perbankan di Era Digital Syafri, Muhammad Irvan; Sinaga, Juan Daniel; Herta, Daiva Ebiandre; S, 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.14208075

Abstract

The rapid development of information technology has significantly transformed the banking sector, particularly through the digitalization of financial services. The Financial Services Authority (OJK) plays a crucial role in regulating and supervising this sector to ensure the stability of the financial system and consumer protection. While digitalization offers efficiency and broader access, new challenges arise, such as data security risks, technology misuse, and the presence of unregistered digital financial institutions. In this context, OJK functions not only as a regulator but also as a facilitator for safe and sustainable innovation. Through a risk-based approach and the development of a regulatory sandbox, OJK strives to create an inclusive and secure financial ecosystem. This study employs a normative legal method to analyze regulations and best practices in supervising digital financial services in Indonesia.
Implementasi Prudential Principle Dalam Perlindungan Konsumen Pada Sistem Layanan Electronic Payment Ardelia, Talita Adwa; Herta, Daiva Ebiandre
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

The development of digital technology has driven the rapid growth of electronic payment (e-payment) service systems as an integral part of modern economic transactions. However, the convenience offered is also accompanied by various risks, both in terms of data security, information transparency, and protection of consumer rights. This study aims to analyze the implementation of the prudential principle in consumer protection efforts in the e-payment service system. The prudential principle, which prioritizes the principles of prudence, integrity, and risk management, is an important foundation in building consumer trust and creating stability in the digital financial system. The research method used is normative juridical with a statutory regulatory approach and literature studies. The results of the study show that although regulations related to e-payment have accommodated the principles of prudence, their implementation in the field still faces challenges, such as lack of information transparency, weak supervision of organizers, and low consumer digital literacy. Therefore, it is necessary to strengthen regulations, stricter supervision by relevant authorities, and increase consumer education to optimize protection in the e-payment ecosystem based on the prudential principle
Co-Authors Ardelia, Talita Adwa Sinaga, Juan Daniel Syafri, Muhammad Irvan