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Unveiling the Dark Side of Fintech: Challenges and Breaches in Protecting User Data in Indonesia’s Online Loan Services

Lex Scientia Law Review · Vol. 7 No. 2 (2023) · hlm. 995–1048

DOI
10.15294/lesrev.v7i2.77881
ISSN
2598-9685, 2598-9677
Terbit
2023-11-30
Penerbit
Universitas Negeri Semarang
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc-sa/4.0

Abstrak

The rapid evolution of information and communication technology has driven diverse business and financial practices. Indonesia is at the forefront with high engagement in fintech online lending services, presenting challenges in safeguarding user data despite these platforms' convenience. This research aims to analyze the intricacies of protecting the personal data of users of online lending services in Indonesia and highlight the obstacles faced in this process. Using a normative legal approach combined with descriptive data analysis, this research examines the protection mechanism from the perspectives of users and online loan service providers. The research concluded that users should verify the legitimacy of online loan service providers by ensuring proper registration with the Financial Services Authority (OJK) of the Republic of Indonesia. In addition, users should carefully scrutinize and understand the terms and conditions of personal data protection before agreeing to an online loan agreement. Second, the main problems qualified as obstacles in this research related to the effectiveness of personal data protection in the context of online lending are at least influenced by three main elements that influence each other, especially those related to legal substance, legal structure, and legal culture. Based on this doctrine, it is found that in addition to legal uncertainty related to the guarantee of personal data protection rights on the one hand, on the other hand, the absence of specialized institutions related to personal data protection is one of the factors that affect the ineffectiveness of personal data protection in Indonesia related to online loans.

Jaringan kolaborasi para penulis

17 penulis · 48 tautan kepenulisan bersama · 29 lintas organisasi

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  • Islamic University of Riau
  • Dortmund University of Applied Sciences and Arts
  • Padjadjaran University
  • State University of Semarang
  • Newcastle University
  • Inha University
  • Universitas Muhammadiyah Palu
  • Organisasi lain
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Fadhel Arjuna AdindaPadjadjaran University3
Suparto SupartoIslamic University of Riau2
Rosyidi HamzahIslamic University of Riau2
Ridwan ArifinState University of Semarang2
John WoodwardNewcastle University1
Esy KurniasihIslamic University of Riau1
Selvi AfrianiIslamic University of Riau1
Kim HyeonsooInha University1
Dodo Wiradana WiriatmaIslamic University of Riau1
Surizki FebriantoIslamic University of Riau1
Syafrinaldi SyafrinaldiIslamic University of Riau1
Maisa MaisaUniversitas Muhammadiyah Palu1
Suparto SupartoIslamic University of Riau1
Deni Jaya SaputraIslamic University of Riau1
Souad Ahmed EzzeroualiDhofar University1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/lslr/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 6 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Unveiling the Dark Side of Fintech: Challenges and Breaches in Protecting User Data in Indonesia’s Online Loan Services</dc:title>
	<dc:creator>Admiral, Admiral</dc:creator>
	<dc:creator>Pauck, Mega Ardina</dc:creator>
	<dc:description xml:lang="en-US">The rapid evolution of information and communication technology has driven diverse business and financial practices. Indonesia is at the forefront with high engagement in fintech online lending services, presenting challenges in safeguarding user data despite these platforms' convenience. This research aims to analyze the intricacies of protecting the personal data of users of online lending services in Indonesia and highlight the obstacles faced in this process. Using a normative legal approach combined with descriptive data analysis, this research examines the protection mechanism from the perspectives of users and online loan service providers. The research concluded that users should verify the legitimacy of online loan service providers by ensuring proper registration with the Financial Services Authority (OJK) of the Republic of Indonesia. In addition, users should carefully scrutinize and understand the terms and conditions of personal data protection before agreeing to an online loan agreement. Second, the main problems qualified as obstacles in this research related to the effectiveness of personal data protection in the context of online lending are at least influenced by three main elements that influence each other, especially those related to legal substance, legal structure, and legal culture. Based on this doctrine, it is found that in addition to legal uncertainty related to the guarantee of personal data protection rights on the one hand, on the other hand, the absence of specialized institutions related to personal data protection is one of the factors that affect the ineffectiveness of personal data protection in Indonesia related to online loans.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2023-11-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
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	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
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	<dc:identifier>https://journal.unnes.ac.id/sju/lslr/article/view/77881</dc:identifier>
	<dc:identifier>10.15294/lesrev.v7i2.77881</dc:identifier>
	<dc:source xml:lang="en-US">Lex Scientia Law Review; Vol 7 No 2 (2023): Justice in Broader Context: Contemporary and Controversial Issues in Indonesia and Beyond; 995-1048</dc:source>
	<dc:source>2598-9685</dc:source>
	<dc:source>2598-9677</dc:source>
	<dc:source>10.15294/lesrev.v7i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/lslr/article/view/77881/26086</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2023 Admiral Admiral, Mega Ardina Pauck</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by-nc-sa/4.0</dc:rights>
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