<![CDATA[Technological advancements in the financial services sector, particularly in peer-to-peer digital lending models, have opened up broader opportunities for the public to access funds. This innovation also serves to expand the reach of financial services, enabling more segments of society to be served within Indonesia’s formal financial system. While offering many conveniences, these advancements have also raised a number of legal issues, particularly regarding the protection of user rights, the safeguarding of personal information, and the potential for human rights violations in digital financial activities. Incidents such as data breaches and misuse, unethical collection practices, and the imbalance of power between service providers and users demonstrate that legal protections for the public remain inadequate and require further strengthening. This study is designed to examine forms of consumer protection in fintech activities in Indonesia from the perspectives of law and human rights. Additionally, this research discusses available dispute resolution mechanisms and preventive measures to minimize violations of users’ rights. The research methodology employed in this study adopts a normative legal approach focused on analyzing statutory provisions, with supported by a literature review through the examination of primary, secondary, and tertiary legal sources. The research findings indicate that consumer protection efforts in the fintech sector have actually been accommodated in various legal provisions, such as regulations regarding consumer protection, rules related to electronic transactions, provisions on personal data protection, as well as policies issued by financial sector supervisory authorities and monetary institutions in Indonesia]]>
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