Financial Technology (Fin tech) as a financial product and service through a combination of technology platforms and innovative business models. The development of fin tech encouraged OJK to issue a Financial Services Authority Regulation regarding Lending and Borrowing Based on Information Technology. This regulation is expected to encourage alternative financing for the community; support the growth of technology-based financial services institutions to contribute to the national economy. OJK Regulation Number: 77/POJK.01/2016 concerning Information Technology-Based Loan Services only regulates peer to peer (P2P) lending activities, so that other fin tech models such as: non-financial crowd funding; direct balance sheet or e-commerce loan; traditional credit rating and crowd funding security are not included in the scope of this regulatory arrangement. Based on legal relations, there is only an agreement between the lender and the borrower, while the provider does not include the parties in the agreement. In this case, when that happens, the most vulnerable party is the lender. Therefore, it is necessary to provide clear legal protection for lenders.
Fin tech, Financial Services Authority, legal protection
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