Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal DE'RECHTSSTAAT
Radha Evi Nur Rizki
Unknown Affiliation
Law, Crime, Criminology & Criminal Justice

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Optimizing the Role of Financial Technology in Credit Institutions: : A Legal Approach to Promoting Accessible, Efficient, and Timely Financial Services Faiza Putri Khairisna; Radha Evi Nur Rizki; Raihanah Iffat Mahdiyyah
DE'RECHTSSTAAT Vol. 12 No. 1 (2026): JURNAL HUKUM DE' RECHTSSTAAT
Publisher : Fakultas Hukum Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jhd.v12i1.16432

Abstract

The development of financial technology (fintech) in Indonesia    plays a strategic role in expanding financial inclusion. This research aims to analyze the optimization of fintech in credit institutions to create financial services that are easy, fast, and efficient. The research method uses a juridical-normative approach with literature study from secondary data sources. The research results show that fintech is able to bridge the financial service gap, especially for communities not served by formal banking systems. Fintech regulation is carried out through various regulations from the Financial Services Authority (OJK), Bank Indonesia, and the Ministry of Communication and Information. Optimization strategies include credit process digitalization using digital platforms with sophisticated algorithms and implementation of peer-to-peer lending schemes. Although fintech offers innovative solutions, significant challenges remain, such as illegal practices, potential data leakage, and low community literacy. The research concludes that fintech optimization requires a comprehensive approach, encompassing strong regulations, data security improvements, and the development of products that meet community needs.
Co-Authors Faiza Putri Khairisna Raihanah Iffat Mahdiyyah