PERLINDUNGAN HUKUM TERHADAP DATA PRIBADI PEMINJAM UANG BERBASIS FINANCIAL TECHNOLOGY

Abstract

This research is contrary to the emergence of the digital economy in the 4.0 revolution era, which is carried out digitally or based on the internet. This transformation significantly enhances the ability of individuals to complete their work effectively and efficiently, utilizing various features or electronic service applications. Notably, innovations in the financial services sector are regulated under Authority Regulations, specifically Financial Services Number 77/POJK.01/2016. Such advancements have led to a profound change in people's lifestyles, as they increasingly engage in various activities through online-based services. The primary objectives of this research are: (1) to know and understand the legal consequences of misuse of financial technology-based money borrowers' personal data; (2) to know and understand how legal protection for the personal data of money borrowers based on financial technology is structured; (3) to know and understand settlement efforts in cases of disputes between financial technology-based money borrowers who are harmed by the misuse of personal data by financial technology providers. This research employs a statutory approach and a conceptual approach, meticulously examining all relevant laws and regulations related to these pressing legal issues, including those that remain unregulated. The results indicate that the state must establish comprehensive regulations to protect the personal data of money borrowers utilizing financial technology from potential risks, such as unauthorized access or breaches, thereby ensuring the confidentiality and integrity of their sensitive information. Ultimately, this research aims to contribute significantly to the ongoing discourse on legal frameworks surrounding digital finance.

Keywords: Legal Protection, Personal Data, Financial Technology