LEGAL PROTECTION OF CONSUMER PERSONAL DATA PEER TO PEER LENDING THROUGH FINANCIAL TECHNOLOGY IN INDONESIA: AN APPROACHED OF COMPARATIVE STUDY
Abstract
The development of Fintech cannot be ignored and needs to be managed so that it can provide maximum benefits for the benefit of society. Because in practice there are parties who are harmed, there are more and more cases of protection of consumer personal data, it is interesting to study further about legal protection of consumer data security in the Fintech business in Indonesia, especially in this study, namely Fintech Peer for Peer Lending. Currently cases of misuse of personal data in Indonesia are still high. Efforts to address legal protection issues for Fintech consumer personal data are contained in POJK Number: 1/Pojk.07/2013 concerning Consumer Protection in the Financial Services Sector and regarding what data must be protected has also been regulated in SOJK Number 14/Seojk.07/2014 concerning Confidentiality and Security of Data and/or Consumer Personal Information, and SOJK Number 18/Seojk.02/2017 Concerning Information Technology Governance and Risk Management in Information Technology-Based Borrowing Services. The existence of these regulations is still not able to resolve personal data issues, so the government makes Law Number 27 of 2022 Concerning Personal Data Protection. The problem approach method used in this research is normative juridical. The source of legal materials in this study uses secondary materials as the main materials. The method of collecting legal materials by means of library research, was analyzed using a qualitative approach to secondary legal materials. The author's recommendations for further research related to the personal data supervisory agency which is currently still in the process of being formed, the author suggests studies related to the authority and role of the personal data monitoring agency in Indonesia.
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Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication, with the work [SPECIFY PERIOD OF TIME] after publication simultaneously licensed under aCreative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
