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All Journal Al-Risalah : Jurnal Imu Syariah dan Hukum LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum
Khayatudin
Unknown Affiliation
Religion Law, Crime, Criminology & Criminal Justice

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The Impact of Globalization on Market Access And Financial Technology Innovation: A Literature Review on Economic Legal Challenges and Regulatory Compliance Purbiati, Ria; Khayatudin; Hasibuan, Ali Huristak Hartawan
Al-Risalah VOLUME 25 NO 2, NOPEMBER (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-risalah.vi.61985

Abstract

Globalization has had a significant impact on the dynamics of the global financial market, particularly through the expansion of market access and the acceleration of financial technology (fintech) innovation. Cross-border economic integration has encouraged the transfer of knowledge, capital, and technology, resulting in more inclusive and efficient digital financial services. However, these developments have also brought about complex economic legal challenges and regulatory compliance issues. Differences in legal frameworks across countries, consumer protection, personal data policies, and the implementation of Anti-Money Laundering (AML) and Know Your Customer (KYC) principles are crucial factors influencing the success of fintech expansion internationally. This study uses a literature review method, examining academic literature, international reports, and relevant regulations to analyse the relationship between globalisation, market access, fintech innovation, and regulatory challenges. The findings indicate that optimising the benefits of globalisation in the fintech sector requires adaptive regulation, cross-border legal harmonisation, and strong international cooperation, enabling innovation to develop safely and equitably without compromising global financial stability.
The Urgency of Social Media Restrictions for Sixteen-Year-Old Children from the Perspective of Legal Protection Ar-Riski, Thiana Ayu; Handayani, Emi Puasa; Khayatudin
Legitimasi: Jurnal Hukum Pidana dan Politik Hukum Vol. 15 No. 1 (2026)
Publisher : Faculty of Sharia and Law, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/legitimasi.v15i1.34503

Abstract

The development of social media provides benefits for children in obtaining information, communicating, and developing themselves, but it also poses various risks, such as cyberbullying, digital exploitation, exposure to negative content, misuse of personal data, and disruption of psychological and social development. This study aims to analyze the urgency of restricting the use of social media for sixteen-year-olds from the perspective of legal protection and examine the form and implementation of regulations that can be applied. The research method used is normative legal research with a statutory and conceptual approach, using primary, secondary, and tertiary legal materials that are analyzed qualitatively. The results of the study show that restrictions on the use of social media for 16-year-olds have a strong urgency from juridical, psychological, and sociological aspects. Juridically, the protection is based on Article 28B paragraph (2) of the 1945 Constitution of the Republic of Indonesia, the Child Protection Law, the Electronic Information and Transaction Law, the Personal Data Protection Law, and the Convention on the Rights of the Child, which prioritizes the principle of the best interests of children. The findings of the study show that legal protection can be realized through minimum age restrictions, age verification, supervision of use, protection of personal data, improvement of digital literacy, and strengthening the responsibility of digital platforms. The implementation of these policies requires synergy between the government, families, communities, and digital service providers to ensure child protection in the digital era.
Co-Authors Ali Huristak Hartawan Hasibuan Ar-Riski, Thiana Ayu Emi Puasa Handayani Purbiati, Ria