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All Journal Berajah Journal JPNM : Jurnal Pustaka Nusantara Multidisiplin Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Asia Pacific Journal of Business Economics and Technology
Hasnah Aziz
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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ANALISIS HUKUM PENGGUNAAN BIOMETRIC VERIFICATION PADA LAYANAN PERBANKAN DIGITAL Djamal Efendi; Hasnah Aziz; Ervawati; Dede Agus Sodikin; Dian Retno Widayati
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.v6i3.540

Abstract

Digital transformation in the banking sector has produced significant innovation in the form of biometric verification as an authentication mechanism in digital banking services. Biometric technology that includes facial recognition, fingerprints, iris scanning, and voice patterns offers a superior level of security and convenience compared to conventional authentication methods. However, the use of biometric verification raises fundamental legal complexities related to personal data protection, bank liability for system failures, and compliance with financial regulations and consumer protection. This article aims to analyze juridically the legal framework for the use of biometric verification in digital banking services in Indonesia. The research method used is qualitative with a normative-empirical legal approach. Data was collected through studies of legislation, regulator policies, industry reports, and scientific literature studies. The results show that the use of biometric verification faces multidimensional juridical challenges including regulatory weaknesses that do not comprehensively regulate biometric technology aspects, ambiguity in the distribution of responsibility between banks and customers for authentication failures, and limited mechanisms for protecting customers from biometric data misuse. This article recommends the need for harmonization of legislation, strengthening of biometric technology security standards, and development of proportional accountability mechanisms to create a safe and fair digital banking ecosystem.
PERLINDUNGAN HUKUM DANA NASABAH DALAM EKOSISTEM DIGITAL WALLET HASIL INTEGRASI PERBANKAN DAN FINTECH DI INDONESIA Opik Sepriadi; Hasnah Aziz; Salman Al Ghifari; Unggul Budi; Ridwan
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.v6i3.541

Abstract

The development of financial technology and digital transformation in the banking sector has led to the integration of digital wallet services as part of the modern payment system in Indonesia. This integration provides convenience, efficiency, and financial inclusion for society. However, the increasing use of digital wallets also raises various legal risks, particularly concerning customer fund protection, digital transaction security, personal data leakage, account misuse, and weak accountability mechanisms in the event of consumer losses. This study aims to analyze the legal protection of customer funds within the digital wallet ecosystem resulting from the integration of banking and fintech services in Indonesia, including an analysis of electronic contracts and digital transaction security based on Indonesian positive law. The research employs a normative legal method using statutory, conceptual, and case approaches. The findings indicate that legal protection for customer funds has been regulated through various laws and regulations, including Consumer Protection Law, Electronic Information and Transactions Law, Personal Data Protection Law, as well as regulations issued by Bank Indonesia and the Financial Services Authority. Nevertheless, these regulations still face challenges such as regulatory disharmony, weak supervision of fintech companies, and low digital literacy among the public. Therefore, regulatory harmonization, strengthened cybersecurity systems, enhanced regulatory supervision, and stronger accountability of digital financial service providers are necessary to ensure legal certainty and optimal protection for customer funds.
ANALISIS PENERIMAAN MASYARAKAT TERHADAP CRYPTO ASSET SEBAGAI INSTRUMEN HEDGING INVESTASI PERBANKAN SYARIAH Ahmad Nurafendi; Hasnah Aziz; Muslimin; Bachtiar Kemal Harahap; Akhmad Faishal
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.v6i3.546

Abstract

The development of crypto assets in Indonesia has reached a significant stage with transaction value reaching IDR 482.23 trillion in 2025 and consumer numbers surpassing 20.19 million. On the other hand, Islamic banking in Indonesia faces challenges in diversifying sharia-compliant investment portfolios. This study aims to analyze public acceptance of crypto assets as hedging instruments in Islamic banking investment portfolios, identify legal and sharia challenges, and formulate an ideal regulatory framework. The method used is normative legal research with statutory, conceptual, and comparative approaches. The results indicate that public acceptance of crypto assets tends to be positive, especially among young age groups, but is confronted with legal uncertainty regarding the sharia status of crypto assets, extreme volatility approaching gharar and maysir elements, and the absence of a definitive fatwa from the National Sharia Council-Indonesian Ulema Council. This study recommends the establishment of a specific fatwa on crypto assets for Islamic banking, strengthening of sharia financial literacy, and harmonization of regulations between OJK, BI, and DSN-MUI to create a sharia-compliant crypto asset investment ecosystem.
Co-Authors Adi Saputra Aditya Putra Setyawan Ahiruddin Ahmad Fahrul Rozi Ahmad Nurafendi Akhmad Faishal Anharyanto Ani Wahyuni Anton Widyanto Asep Mulyana Bachtiar Kemal Harahap Bayu Triwibowo Dadang Rachmat Dany Wahyu Dede Agus Sodikin Dian Retno Widayati Djamal Efendi Ervawati Harry Sudhana Hikmat Ansori Ibrahim Aji Imam Fathwa Irwan Soeharlim Juhana Nuryana Mahfudlon Mahmuddin Mahmuddin Muh. Encep Muhammad Fajar Alfahimi Muhammad Ruhunussa MUSLIMIN Naek Efendi Nurhafifah Nursalim Oky Rona Wijaya Opik Sepriadi Rahmat Giling Ratu Chumairoh Noor Regina Yura Fitriah Sari Ridwan Salman Al Ghifari Tri Susanto Tugimin Harjotaruno Unggul Budi Wisnu Cahyo Apriliyadi