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Digital Economy Regulation and Consumer Rights Protection: Realizing Security in Financial Technology Transactions

Lex Scientia Law Review · Vol. 9 No. 2 (2025) · hlm. 1324–1375

DOI
10.15294/lslr.v9i2.24927
ISSN
2598-9685, 2598-9677
Terbit
2025-11-17
Penerbit
Universitas Negeri Semarang
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc-sa/4.0

Abstrak

Financial technology has experienced rapid expansion amidst the digital economic development that has made services more accessible while increasing financial inclusion. The rapid growth of financial technology creates substantial challenges for consumer protection. The primary problems arise from inadequate data protection measures and electronic payment security protocols. The lack of proper security measures and insufficient digital literacy exposes consumers to increasing risks of data theft, phishing attacks, and personal information misuse. This research evaluates the current regulatory structure that defends consumer rights and ensures secure financial operations through technological systems. The study adopts a normative legal research method through statutory analysis. The research shows that Indonesia's regulatory framework extends broad protection but requires modernization to address contemporary technological developments and emerging security risks. Fintech requires a regulatory framework that adjusts to evolving conditions while fostering partnerships to deliver adequate consumer protection.

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  • State University of Malang
  • Gunadarma University
  • Walisongo State Islamic University
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Maruf MarufAfiliasi tidak diketahui2
Aisa RurkinantiaWalisongo State Islamic University2
Saifudin SaifudinAfiliasi tidak diketahui2
Arifana Nur KholiqAfiliasi tidak diketahui2
Arina Hukmu AdilaAfiliasi tidak diketahui2
Moh ArifinAfiliasi tidak diketahui1
GunartoAfiliasi tidak diketahui1
Bambang Tri BawonoAfiliasi tidak diketahui1
Kiki Nuriska DenhasAfiliasi tidak diketahui1
Maesa RaniAfiliasi tidak diketahui1
Muhammad Zainal IbadAfiliasi tidak diketahui1
Goldie Melinda WijayantiAfiliasi tidak diketahui1
St. Budi WaluyaAfiliasi tidak diketahui1
- RochmadAfiliasi tidak diketahui1
Afis Baghiz SyafruddinState University of Malang1
Ari GunawanAfiliasi tidak diketahui1
Thomas SosecoAfiliasi tidak diketahui1
Otto FajariantAfiliasi tidak diketahui1
Fuad Indra KusumaAfiliasi tidak diketahui1
Nur IndriatiAfiliasi tidak diketahui1
Ismail MarzukiAfiliasi tidak diketahui1
Edy SaputroAfiliasi tidak diketahui1
Muhammad Akmal HabibAfiliasi tidak diketahui1
Joko PurwantoGunadarma University1
Abu - HapsinAfiliasi tidak diketahui1
Daud RismanaAfiliasi tidak diketahui1
Muslich ShabirAfiliasi tidak diketahui1
SupangatAfiliasi tidak diketahui1
Abdul GhofurAfiliasi tidak diketahui1
Anis FittriaAfiliasi tidak diketahui1
Bagus Shandy NarmadityaAfiliasi tidak diketahui1
Siti Rosnita Binti SakarjiAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/lslr/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Digital Economy Regulation and Consumer Rights Protection: Realizing Security in Financial Technology Transactions</dc:title>
	<dc:creator xml:lang="en">Noor, Afif</dc:creator>
	<dc:creator xml:lang="en">Maskur, Ali </dc:creator>
	<dc:creator xml:lang="en">Wulandari, Dwi</dc:creator>
	<dc:creator xml:lang="en">Afif, Aqila-Syarief Muhammad </dc:creator>
	<dc:creator xml:lang="en">Azmi, Muhammad Fazli </dc:creator>
	<dc:subject xml:lang="en">Regulation</dc:subject>
	<dc:subject xml:lang="en">Digital Economy </dc:subject>
	<dc:subject xml:lang="en">Consumer Protection</dc:subject>
	<dc:subject xml:lang="en">Fintech</dc:subject>
	<dc:description xml:lang="en">Financial technology has experienced rapid expansion amidst the digital economic development that has made services more accessible while increasing financial inclusion. The rapid growth of financial technology creates substantial challenges for consumer protection. The primary problems arise from inadequate data protection measures and electronic payment security protocols. The lack of proper security measures and insufficient digital literacy exposes consumers to increasing risks of data theft, phishing attacks, and personal information misuse. This research evaluates the current regulatory structure that defends consumer rights and ensures secure financial operations through technological systems. The study adopts a normative legal research method through statutory analysis. The research shows that Indonesia's regulatory framework extends broad protection but requires modernization to address contemporary technological developments and emerging security risks. Fintech requires a regulatory framework that adjusts to evolving conditions while fostering partnerships to deliver adequate consumer protection.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-11-17</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/lslr/article/view/24927</dc:identifier>
	<dc:identifier>10.15294/lslr.v9i2.24927</dc:identifier>
	<dc:source xml:lang="en">Lex Scientia Law Review; Vol. 9 No. 2 (2025): November, 2025: Law, Policy, and Governance in Contemporary Socio-Economic Transformation; 1324-1375</dc:source>
	<dc:source>2598-9685</dc:source>
	<dc:source>2598-9677</dc:source>
	<dc:source>10.15294/lslr.v9i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/lslr/article/view/24927/7074</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Afif Noor, Ali  Maskur, Dwi Wulandari, Aqila-Syarief Muhammad  Afif, Muhammad Fazli  Azmi (Author)</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-nc-sa/4.0</dc:rights>
</oai_dc:dc>