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All Journal Journal Of Law Sciences (Legisci)
Andri Brawijaya
Universitas Djuanda, Bogor
Law, Crime, Criminology & Criminal Justice

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The Influence of Financial Technology on the Reformulation of Bank Customer Protection Regulations. Andri Brawijaya; Henny Nuraeny; Nova Monaya
Jurnal Legisci Vol 3 No 3 (2025): Vol 3 No 3 December 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i3.974

Abstract

Background. The rapid evolution of financial technology has shifted banking activities toward fully digital environments, creating new opportunities for efficiency while simultaneously exposing customers to broader and more complex risks. Traditional regulatory frameworks, originally designed for conventional banking, often struggle to address issues arising from digital transactions, data processing, and emerging online service models. This situation has prompted regulators and financial institutions to reconsider existing norms to ensure stronger and more adaptive customer protection. Aim. This study aims to examine how technological developments influence regulatory reform in order to strengthen the protection of bank customers. Methods. A qualitative approach is applied through systematic analysis of regulatory developments, institutional policies, and emerging patterns of consumer risk in digital banking. Results. The study finds that technological growth drives regulators to refine customer protection rules, especially in areas related to customer rights, digital accountability, and data security. Banks also adopt updated internal policies to meet evolving regulatory expectations. Conclusions. Financial technology plays a significant role in encouraging regulatory reform, pushing authorities toward more adaptive and forward-looking frameworks. Implication. Continuous regulatory development is essential to ensure that customer protection remains effective as digital financial services continue to advance. Keywords: Financial technology; customer protection; banking regulation; digital banking; regulatory reform.
Regulatory Model of Cash Waqf within the National Legal System and Its Challenges Nova Monaya; Andri Brawijaya
Jurnal Legisci Vol 3 No 2 (2025): Vol 3 No 2 October 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i2.975

Abstract

Background. Cash waqf has emerged as an important instrument for social and economic development, yet its regulatory framework within the national legal system remains fragmented and inconsistently applied. Aim. This study aims to analyze the structure, effectiveness, and gaps of the current regulatory model governing cash waqf while identifying the challenges faced by key stakeholders. Methods. A qualitative legal approach is used, combining statutory analysis, case studies, and interviews with regulators and waqf managers to evaluate how existing norms function in practice. Results. The study finds that although the legal framework provides a formal foundation for cash waqf management, several issues persist, including overlapping authorities, weak enforcement mechanisms, and limited institutional capacity. Conclusions. A more coherent, integrated, and adaptive regulatory model is required to strengthen legal certainty and improve institutional performance in managing cash waqf. Implication. The findings underscore the need for policymakers, regulators, and waqf institutions to refine governance standards, enhance coordination, and adopt technological innovations to ensure transparent and efficient cash waqf administration. Keywords: Cash Waqf, Regulatory Model, National Legal System, Governance, Legal Challenges, Waqf Institutions
Legal Protection for Property Buyers in Pre-Project Selling Schemes in Indonesia: An Analysis of Compliance with the Consumer Protection Act Abraham Yazdi Martin; Henny Nuraeny; Andri Brawijaya
Jurnal Legisci Vol 3 No 1 (2025): Vol 3 No 1 August 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i1.976

Abstract

Background. Pre-project selling has become a dominant marketing strategy in Indonesia’s property sector, yet it often exposes buyers to legal uncertainties, particularly regarding delayed construction and unmet contractual promises. Aim. This study examines the extent to which pre-project selling practices comply with Indonesia’s Consumer Protection Act and evaluates the adequacy of current legal safeguards for property buyers. Methods. Using a normative legal approach, the study analyzes statutory provisions, developer–consumer contracts, and relevant court decisions to identify compliance gaps and recurring legal issues. Results. The findings indicate that although the Act provides fundamental consumer rights, weak enforcement mechanisms, asymmetric information, and inadequate oversight allow developers to circumvent their obligations. Many contractual clauses tend to disadvantage buyers, and dispute resolution often results in limited remedies. Conclusions. Existing regulations do not sufficiently protect consumers in pre-project selling transactions, leaving buyers vulnerable to financial and legal risks. Strengthening regulatory oversight, standardizing contract terms, and enhancing sanctions for non-compliance are crucial to improving consumer protection. Implication. The study contributes to academic discourse on consumer law, provides policy insights for regulators, supports better awareness for society and property buyers, and offers a reference for international scholars examining consumer protection in emerging markets.
Co-Authors Abraham Yazdi Martin Henny Nuraeny Nova Monaya