Protection of Personal Data of Consumers Using Financial Technology Services
Abstract
This research aims to examine and analyze legal provisions related to the protection of personal data of customers using financial technology services in Indonesian laws and regulations. Apart from that, this research also aims to compare the legal protection of consumer personal data in the regulations in force in Indonesia with the regulations in force in the United States. This research applies normative legal research methods. The data used comes from literature studies, including primary legal materials such as laws, Financial Services Authority Regulations (POJK), and Bank Indonesia Regulations (PBI), as well as secondary legal materials such as laws books and legal journals. The research results show that legal protection for the personal data of consumers using financial technology services in Indonesia has been regulated in Law Number 27 of 2022 concerning Personal Data Protection. This regulation reflects a progressive approach to law, which not only supports the use of technology but also provides protection for users to achieve legal certainty. Meanwhile, a comparison with regulations in the United States shows that personal data protection in the financial technology sector is based on the principle of “right to be alone” which is the main pillar of individual privacy. This principle emphasizes that privacy is a constitutional right of every citizen, as a form of respect and protection for this right.
References
Y. D. Novita and B. Santoso, “Urgensi Pembaharuan Regulasi Perlindungan Konsumen di Era Bisnis Digital,” J. Pembang. Huk. Indones., vol. 3, no. 1, pp. 46–58, 2021, doi: 10.14710/jphi.v3i1.46-58.
A. Fadhila and P. Putra, “Legal Protection for Indonesian Ship Crews in the Free Seas,” vol. 1, no. 1, pp. 50–67, 2024.
A. P. Buana, A. Aswari, M. F. Said, and M. Y. Arifin, “Responsibility Parking Service Business to The Protection Of Consumer Of The Parking Services in Makassar,” Subst. Justice Int. J. Law, vol. 1, no. 1, p. 23, 2018, doi: 10.33096/substantivejustice.v1i1.15.
E. Priliasari, “PERLINDUNGAN DATA PRIBADI KONSUMEN DALAM TRANSAKSI E-COMMERCE MENURUT PERATURAN PERUNDANG-UNDANGAN DI INDONESIA (Legal Protection of Consumer Personal Data in E-Commerce According To Laws dan Regulations in Indonesia),” J. Rechts Vinding, vol. 12, no. 2, pp. 261–279, 2023.
R. Habibunnajar and I. Rahmatullah, “Problematika Regulasi Pinjam Meminjam Secara Online Berbasis Syariah Di Indonesia,” J. Leg. Reason., vol. 2, no. 2, pp. 120–134, 2020, doi: 10.35814/jlr.v2i2.2225.
S. Yuniarti, “Perlindungan Hukum Data Pribadi Di Indonesia,” Bus. Econ. Commun. Soc. Sci. J., vol. 1, no. 1, pp. 147–154, 2019, doi: 10.21512/becossjournal.v1i1.6030.
Tersiana & Andra, “Metode Penelitian,” Yogyakarta, 2018, p. 94.
N. Qamar et al., “Metode Penelitian Hukum (Legal Research Methods),” no. December, p. 176, 2017.
Y. Siregar and Z. Erma, “Akibat Hukum Terhadap Wanprestasi Yang Dilakukan Oleh Penerima Waralaba Dalam Perjanjian Waralaba,” Innov. J. Soc. Sci. Res., vol. 4, no. 1, pp. 10509–10516, 2024, [Online]. Available: https://j-innovative.org/index.php/Innovative/article/view/9098
S. D. Baranyanan et al., “S a s i,” vol. 23, 2017.
T. Siregar, “Keberadaan Arbitrase di Kota Medan,” J. Mercat., vol. 11, no. 1, p. 20, 2018, doi: 10.31289/mercatoria.v11i1.1514.
N. A. Astiti and J. Tarantang, “Penyelesaian Sengketa Bisnis Melalui Lembaga Arbitrase,” J. Al-Qardh, vol. 3, no. 2, pp. 110–122, 2019, doi: 10.23971/jaq.v3i2.1179.
G. Bianti, “Pelaksanaan Eksekusi Putusan Arbitrase Internasional Yang Berpotensi Menghambat Kegiatan Investasi Asing Di Indonesia,” Crepido, vol. 5, no. 1, pp. 64–78, 2023, doi: 10.14710/crepido.5.1.64-78.
A. Prawira Buana, H. Hasbi, M. Kamal, and A. Aswari, “Implikasi Pelaksanaan Perjanjian Jual Beli Telepon Seluler Ilegal (Black Market),” JCH (Jurnal Cendekia Hukum), vol. 6, no. 1, p. 117, 2020, doi: 10.33760/jch.v6i1.268.
M. F. Ramadhan, A. Asis, and A. M. Muin, “Law Enforcement Of The Crime Of Illegal Fishing In The Waters Area Of Pangkajene Regency And The Islands,” vol. 11, no. 3, pp. 1904–1909, 2022, doi: 10.35335/legal.
R. Yuniarti, “Efisiensi Pemilihan Alternatif Penyelesaian Sengketa Dalam Penyelesaian Sengketa Waralaba,” FIAT JUSTISIAJurnal Ilmu Huk., vol. 10, no. 3, pp. 551–568, 2017, doi: 10.25041/fiatjustisia.v10no3.793.
R. Moreno Chrishans and A. Corresponding, “Efektivitas Alternatif Penyelesaian Sengketa Sebagai Upaya Penyelesaian Sengketa Franchise (Waralaba),” J. Multiling., vol. 3, no. 3, pp. 1412–4823, 2023.
M. R. . Saputro and E. . Subadi, “Penyelesaian Wanprestasi Perjanjian Franchise (Studi Kasus Franchise Tentang Kita Cokelat Di Lombok),” J. Priv. Law Fak. Univ. Mataram, vol. 3, no. 1, 2023, [Online]. Available: http://journal.unram.ac.id/index.php/privatelaw/index
Copyright (c) 2025 Nurul Jaya Nugraha, Andry Wikra Wardana Mamonto, Muhammad Azham Ilham
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
