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All Journal Lex Scientia Law Review Indonesian State Law Review (ISLRev)
Azmi, Muhammad Fazli
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Law, Crime, Criminology & Criminal Justice

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Digital Economy Regulation and Consumer Rights Protection: Realizing Security in Financial Technology Transactions Noor, Afif; Maskur, Ali; Wulandari, Dwi; Afif, Aqila-Syarief Muhammad; Azmi, Muhammad Fazli
Lex Scientia Law Review Vol. 9 No. 2 (2025): November, 2025: Law, Policy, and Governance in Contemporary Socio-Economic Tran
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/lslr.v9i2.24927

Abstract

Financial technology has experienced rapid expansion amidst the digital economic development that has made services more accessible while increasing financial inclusion. The rapid growth of financial technology creates substantial challenges for consumer protection. The primary problems arise from inadequate data protection measures and electronic payment security protocols. The lack of proper security measures and insufficient digital literacy exposes consumers to increasing risks of data theft, phishing attacks, and personal information misuse. This research evaluates the current regulatory structure that defends consumer rights and ensures secure financial operations through technological systems. The study adopts a normative legal research method through statutory analysis. The research shows that Indonesia's regulatory framework extends broad protection but requires modernization to address contemporary technological developments and emerging security risks. Fintech requires a regulatory framework that adjusts to evolving conditions while fostering partnerships to deliver adequate consumer protection.
Legal Frameworks, Transparency, and Oversight: Ensuring Public Confidence in Online Donation Platforms Noor, Afif; Afif, Aqila-Syarief Muhammad; Azmi, Muhammad Fazli; Dwi Wulandari
Indonesian State Law Review Vol. 8 No. 2 (2025): Indonesian State Law Review, October 2025
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/islrev.v8i2.25429

Abstract

The proliferation of digital technology has markedly accelerated the expansion of online donation platforms in Indonesia. Concurrently, with the rise in public engagement in online philanthropic endeavours, several challenges have surfaced, including the potential for fund misuse, lack of transparency, and inadequate oversight mechanisms. This study examines how legal frameworks, transparency, and oversight can collaboratively safeguard and enhance public trust in online donation systems. The methodology employed is a qualitative study with a normative approach involving the analysis of existing regulations, literature reviews, and case studies related to digital donation mismanagement. The findings reveal the lack of comprehensive legal regulations governing online donations, accountability mechanisms among platform providers, and limited public access to financial information. The study further underscores the importance of implementing principles of good governance, utilizing transparency-enhancing technologies such as blockchain, and strengthening independent reporting and auditing systems to prevent fund misappropriation. In conclusion, public trust in online donation systems can only be cultivated through reinforced legal frameworks, increased operational transparency, and oversight involving multiple stakeholders. The study recommends formulating national regulations addressing digital donations, active involvement of independent supervisory institutions, and continuous public education to ensure that the public is informed and aware, thereby establishing a secure, accountable, and sustainable online donation ecosystem.
Co-Authors Afif Noor Afif, Aqila-Syarief Muhammad Ali Maskur Dwi Wulandari Dwi Wulandari