ARTIKEL REVIEW JURNAL FINTECH

Abstrak

Regulasi Teknologi Finansial (Fintech) di Indonesia bertujuan untuk menjamin eksistensi perusahaan penyedia layanan keuangan berbasis teknologi (Fintech). Perkembangan perusahaan Fintech di indonesia saat ini berdasarkan data dari survei asosiasi Fintech indonesia (Via databoks), terdapat 366 perusahaan fintech yang beroperasi di indonesia per akhir tahun 2022. Prediksi jumlah perusahaan fintech diperkirakan akan terus meningkat sejalan dengan pertumbuhan ekonomi digital Indonesia yang diharapkan mencapai puncaknya pada tahun 2027. Otoritas Jasa Keuangan (OJK) terus menerus mengikuti perkembangan penggunaan layanan teknologi informasi dari lembaga keuangan yang diawasi oleh OJK serta dari perusahaan startup semakin berkembang pesat. Perlindungan hukum dan penegakan hukum bagi perusahaan fintech di masyarakat menjadi semakin penting. Diperlukan penelitian tentang bagaimana mencapai keseimbangan antara kemudahan dan fleksibilitas layanan keuangan yang ditawarkan oleh fintech dengan perlindungan hukumnya dalam regulasi penggunaan layanan teknologi informasi di sektor jasa keuangan

The regulation of Financial Technology (Fintech) in Indonesia aims to ensure the existence of technology-based financial service providers (Fintech). As of the end of 2022, the development of Fintech companies in Indonesia, based on data from the Indonesian Fintech Association survey (via Databoks), indicates that there were 366 Fintech companies in operation. The number of Fintech companies is projected to continue increasing in line with the expected peak of Indonesia's digital economy growth by 2027. The Financial Services Authority (OJK) continuously monitors the utilization of information technology services by financial institutions under its supervision, as well as the rapid growth of startup companies. Legal protection and enforcement for Fintech companies in society are becoming increasingly crucial. Research is needed on how to achieve a balance between the convenience and flexibility of financial services offered by Fintech and their legal protection within the regulations governing the use of information technology services in the financial services sector.