1Bagus Rahmanda, 2Umaira Hayuning Anggayasti, 3Zidna Ilman Nafi’a
1,2,3Faculty of Law, Universitas Diponegoro, Jl. dr. Antonius Suroyo, Tembalang, Semarang, Indonesia
DOI : https://doi.org/10.47191/ijmra/v7-i12-04Google Scholar Download Pdf
ABSTRACT:
The Industrial Revolution 4.0 has brought significant transformations to various aspects of life, including financial activities, which have increasingly transitioned into digital systems facilitated by financial technology (fintech). Fintech accommodates remote financial activities, reshaping the banking industry through the emergence of digital banks that enhance customer convenience in accessing banking services. This development reflects the growing cooperation between banking institutions and fintech companies. However, digital-based financial activities are inherently susceptible to system vulnerabilities, potentially causing customer losses. This study explores two main issues: (1) the nature of cooperation between banks and fintech and (2) the role of the Financial Services Authority (OJK) in supervising digital banking operations. The findings reveal that collaboration between banking and fintech is achieved by integrating banking services with fintech platforms, enabling seamless customer access. The OJK employs direct (on-site) and indirect (off-site) supervision methods to ensure regulatory compliance and mitigate risks. Additionally, the OJK leverages advanced technologies such as the OSIDA (OJK Suptech Integrated Data Analytics) system to optimize supervision and implement a regulatory sandbox framework to foster innovation while maintaining oversight.
KEYWORDS:Financial Technology, Supervision, Digital Bank.
REFERENCESA. Books
1) AZ, Lukman Santoso. Hukum dan Kewajiban Nasabah Bank. Yogyakarta: Penerbit Pustaka Yustisia, 2011.
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4) Soekanto, Soerjono. Pengantar Penelitian Hukum, (Jakarta: Penerbit Universitas Indonesia (UI Press), 2018).
B. Legislation
1) Undang – Undang Nomor 10 tahun 1998 yang merupakan perubahan atas Undang – Undang Nomor 7 tahun 1992 tentang Perbankan
2) Undang – Undang Nomor 21 tahun 2011 tentang Otoritas Jasa Keuangan
3) Peraturan Otoritas Jasa Keuangan POJK Nomor 13/POJK.02/2018 tentang Inovasi Keuangan Digital oleh Sektor Jasa Keuangan
4) Peraturan Otoritas Jasa Keuangan POJK Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi
5) POJK Nomor 12/POJK.03/2018 tentang Penyelenggaraan Perbankan Secara Digital
6) Oleh Bank Umum
7) Peraturan Otoritas Jasa Keuangan POJK No. 12/POJK.03/2021 tentang Bank Umum
C. Journal
1) Bintarto, Elshabyta Auditya. “Fintech dan Cashless Society: Sebuah Revolusi Mendongkrak Ekonomi Kerakyatan”. Call For Essays, Universitas Gajah Mada.
2) Hiyanti, Hida. “Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia”. Jurnal Ilmiah Ekonomi Islam, Vol. 5, No. 03, (2019).
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1) Ditjen Perbendaharaan Direktorat PKN, “ODADING Seri Keuangan Digital Part III : Digital Banking”, https://djpb.kemenkeu.go.id/direktorat/pkn/id/odading/2919-digital-banking.html.
2) Departemen Penelitian dan Pengaturan Perbankan OJK 2021, “Panduan Kerjasama BPR dan Fintech Lending”, https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/Buku-Panduan-Kerjasama-Bank-Perkreditan-Rakyat-(BPR)-dengan-Lembaga-Layanan-Pinjam-Meminjam-Berbasis-Teknologi-Informasi/Buku%20-Panduan%20Kerjasama%20BPR%20dengan%20Fintech%20P2P%20Lending.pdf
3) Giri Hartono, “BI Catat Penggunaan Uang Elektronik Tumbuh 172,85%”, https://economy.okezone.com/read/2020/02/20/320/2171484/bi-catat-penggunaan-uang-elektronik-tumbuh-172-85,
4) Magister Ilmu Hukum Pascasarjana Universitas Medan Area, “Het Recht Hink Achter De Feiten Aan”. https://mh.uma.ac.id/het-recht-hink-achter-de-feiten-aan/,
5) OJK, “Pengaturan dan Pengawasan Perbankan”, OJK 2017, https://ojk.go.id/id/kanal/perbankan/ikhtisar-perbankan/Pages/Peraturan-dan-Pengawasan-Perbankan.aspx
6) OJK, Siaran Pers: Kembangkan Pengawasan Berbasis Digital OJK Luncurkan Suptech Integrated Data Analytics (OSIDA) https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Kembangkan-Pengawasan-Berbasis-Digital-OJK-Luncurkan-Suptech-Integrated-Data-Analytics-(OSIDA).aspx
Volume 07 Issue 12 December 2024
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