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Tanggung Jawab Hukum Platform Fintech Dalam Menanggulangi Risiko Fraud dan Kejahatan Siber Napitupulu, Diana R.W.; Pakpahan, Daniel Saputra; Arifin, Dian
Blantika: Multidisciplinary Journal Vol. 3 No. 4 (2025): Reguler Issue
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/blantika.v3i4.355

Abstract

Fintech terbagi atas sistem pembayaran, transfer dana, remitansi, pinjaman, crowd funding, intermediasi keuangan, investasi ritel, perencanaan keuangan, riset keuangan, dan berbagai layanan keuangan lainnya. Masyarakat pada umumnya menyambut baik fintech, karena berpotensi untuk berubah menjadi alat yang tangguh untuk meningkatkan efektivitas dan efisiensi yang sejalan dengan kebiasaan dan kehidupan individu. Munculnya fintech menghadirkan tantangan yang signifikan terhadap kelangsungan hidup lembaga keuangan yang berkembang dari tradisional hingga modern berbasis digital seperti pada lingkup perbankan dan asuransi yang memiliki berbagai macam ancaman kejahatan siber. Jenis penelitian yang diangkat adalah kajian Yuridis Normatif (library legal research), sebagaimana ditunjukkan oleh judul artikel ini. Sumber data penelitian ini adalah data sekunder. Konsep hukum, gagasan hukum, doktrin hukum, dan aturan yang relevan dapat dikutip, disalin, dan dianalisis untuk mendapatkan data sekunder dari penelitian kepustakaan. Metode pendekatan yang digunakan adalah Pendekatan Perundang-undangan karena merupakan cara yang sederhana untuk membahas suatu masalah dan berfungsi sebagai panduan untuk subjek yang sedang dibahas. Hasil penelitian didapatkan bahwa tanggung jawab hukum platform fintech dalam menanggulangi risiko fraud dan kejahatan siber di Indonesia yaitu harus menyediakan mekanisme penyelesaian sengketa bagi konsumen yang merasa haknya dirugikan, hal ini sesuai dengan Pasal 40 POJK No. 13/2018. Hal ini berupa layanan pengaduan konsumen yang wajib disediakan oleh platform fintech tersebut untuk membantu konsumen yang dirugikan. Apabila platform fintech terbukti melakukan pelanggaran terhadap ketentuan keamanan data dan perlindungan konsumen, maka OJK berwenang untuk menjatuhkan sanksi administratif berdasarkan Pasal 39 POJK No. 13/2018 berupa peringatan tertulis, denda administratif, pembatalan persetujuan operasional dan pembatalan pendaftaran atau izin usaha.
Legal Protection of Consumer Personal Data in Business in the Digital Era Arifin, Dian; Sri Widiarty, Wiwik; Marolop Nainggolan, Richard
Journal of Social Research Vol. 4 No. 12 (2025): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v4i12.2888

Abstract

The misuse of personal data by certain individuals, including individuals within business entities, has become a form of loss for many people, growing alongside advances in digital technology, where various activities can now be conducted digitally. Since 2021, numerous cases of consumer data breaches have occurred. Although the Personal Data Protection Law (PDP) has been enacted, its implementation still faces various obstacles, such as a lack of effective oversight, the absence of an independent authority fully responsible for personal data protection, and a lack of awareness among digital businesses regarding compliance with the new regulations. The type of study undertaken is a normative legal study (library legal research), as indicated by the title of this thesis. The data sources for this research are secondary data. Legal concepts, legal ideas, legal doctrines, and relevant regulations can be cited, copied, and analyzed to obtain secondary data from library research. The approach used in this thesis is the normative legal approach. The problem in this thesis discusses the Legal Certainty for Consumers Who Experience Personal Data Violations in Digital Business Transactions Based on Law Number 27 of 2022 concerning Personal Data Protection and Legal Protection Efforts for Personal Data Consumers Harmed by Digital Business Transactions. The analysis and discussion found that Legal Certainty for Consumers who experience Personal Data Violations in Digital Business Transactions based on Law Number 27 of 2022 concerning Personal Data Protection can be seen in the provisions of Articles 7 to 14 of the PDP Law. Specifically, the legal certainty of consumer protection for their personal data can be seen in the provisions of Article 12 Paragraph (1) of the PDP Law, which essentially states that personal data subjects have the right to sue and receive compensation for violations of the processing of Personal Data about them. In addition, everyone has the right to view, change, delete, and limit the processing method of personal data, in accordance with the provisions of Articles 15 to 20 of the PDP Law. The Consumer Protection Law does not include a single article regulating the legal certainty of consumer personal data protection. The provisions of Article 45 of the Consumer Protection Law only state that Consumers can file a lawsuit based on Article 45 of the Consumer Protection Law if they feel they have been harmed by Business Actors.