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Fintech, or financial technology, is one of Indonesia's sectors with the quickest rate of growth.. This growth is driven by the increasing demand for people for fast, easy, and affordable financial services. One of the most popular fintech products is the e-wallet. In creating a successful e-wallet product, It's critical to comprehend user requirements and preferences. Design thinking is a user-centered approach to product development. This method can help product management teams to understand user needs, define the problem they want to solve, and generate innovative and user-centered solutions.

This research investigates legal aspects related to protection for fintech users in the context of online lending in Indonesia. The background includes the rapid development of the fintech industry and the increasing use of online lending, which has created a need to evaluate the effectiveness of existing legal protections. This research uses a combination approach of regulatory analysis, case studies, and interviews with relevant stakeholders. The literature review involves the concept of fintech, related regulations, and legal protection challenges that users face. Research methods include in-depth analysis of applicable regulations, case studies of user experiences, and interviews with representatives of financial institutions and supervisory authorities. The results of this research provide a better understanding of the rights and obligations of fintech users in the online lending environment. Key challenges include legal uncertainty and unethical practices by some service providers. The research also suggests steps for improvement, including increased regulation, increased transparency, and user education. Thus, this research provides a comprehensive view of legal protection for online lending fintech users in Indonesia and provides a foundation for further improvements in industry regulations and practices.    

One of the technological developments in the economic sector that has had a big influence is Fintech, which is an innovation in the field of technology in terms of transactions for giving and receiving loans, without having to meet face to face, or what is better known as online loans. The legal provisions governing conventional agreements are the same as the legal provisions governing online agreements. Due to the negative impact of illegal online loans, it is necessary for the Community Service Team (PkM) of the Faculty of Law, University of Semarang (USM) to hold outreach and counseling with the theme "Increasing Understanding of the Trimulyo Genuk Semarang Community Regarding the Legal Aspects of Online Loan Agreements". This activity uses 5 (five) methods, namely, pre-test, counseling, question and answer, post-test and evaluation methods. The results of this activity showed an increase in public understanding by 69.2%.

The emergence of the term Financial Technology (fintech) today is one of the changes caused by current developments. Financial technology (fintech) has several types, one of which is payment gateway. Currently, MSMEs in Indonesia have an important role in Indonesia, namely improving its economy and being able to accelerate regional development. The aim of this research is how influential the use of digital payment "payment gateways" is in improving the financial performance of MSMEs, through the findings and views of previous researchers. The method used is the Systematic Literature Review (SLR) method, which aims to find out the results of previous research related to this research. The results of this research show that digital payments "payment gateway" have a positive effect on improving the financial performance of MSMEs.

The Islamic Digital Economy (IDE) has emerged as a transformative force, unlocking new opportunities for sustainable development within the global Muslim community (Ummah). This paper explores the multifaceted dimensions of IDE and its potential impact on Ummah sustainability. The IDE encompasses a wide array of digital technologies, including but not limited to fintech, e-commerce, blockchain, and artificial intelligence, all aligned with Islamic principles. By leveraging these technologies, the Ummah can foster economic growth, financial inclusion, and social development while adhering to ethical and Sharia-compliant practices. This paper delves into the key components of IDE, examining its role in promoting entrepreneurship, enhancing financial literacy, and fostering innovation within the Ummah. Moreover, it explores the potential of IDE to address societal challenges such as poverty, unemployment, and income inequality through inclusive and sustainable economic models. In addition, the paper highlights the importance of regulatory frameworks that support the growth of IDE, ensuring that it aligns with Islamic values and principles. It also underscores the need for educational initiatives to enhance digital literacy within the Ummah, empowering individuals to fully participate in the digital economy. Through a comprehensive analysis of the opportunities and challenges associated with IDE, this paper aims to provide insights for policymakers, businesses, and communities seeking to harness the full potential of the Islamic Digital Economy for the sustainable development of the Ummah. By embracing IDE, the Ummah can not only navigate the digital age successfully but also contribute to a more inclusive, ethical, and sustainable global economic landscape.

Digital financial services provided by fintech companies operate or make use of digital technologies. One of the banks that has offered digital fintech-based services are Bank Muamalat KCP Medan Baru. These services include virtual account services, cash management systems, online banking, m-banking (M-DIN), and ATMs. the necessity of putting into practice marketing tactics that increase client happiness and faith in these services. The purpose of this study is to identify the Bank Muamalat KCP Medan Baru's digital fintech-based marketing strategy for customer service. At Bank Muamalat KCP Medan Baru, this kind of research is considered field research. This study is descriptive qualitative in nature. Interviews and documentation were used to obtain data. The key data sources used were interviews with Bank Muamalat sub-branch managers, customer care representatives, and consumers KCP Medan Baru, whereas secondary sources are drawn from written works or other types of documentation to supplement primary data. According to the research, it is known that Bank Muamalat KCP Medan Baru has applied a number of shari'ah marketing indicators, including a number of marketing mix components. Promotion has dominated marketing tactics throughout the Bank's existence. Brands, services, and procedures produce marketing value. Additionally, Bank Muamalat KCP Medan Baru is inextricably linked to the three key tenets of shari'ah marketing—piety, moderation, and virtue. The Principle of Piety is the one that is used the most frequently. Additionally, Bank Muamalat KCP Medan Baru should assess or enhance its marketing tactics for digital fintech services continuous attempts to increase usage of the system due to the fact that some clients are still unaware of Muamalat's digital fintech offerings, particularly its virtual accounts, cash management systems, and online banking.

Objective: to determine trends in consumer legal protection in the digital economy era from various industries in Indonesia based on article reviews. Method: secondary data in the form of articles that match the research objectives with a publication period of 2014-2023, obtained online from Emerald, Elsevier, and Google Scholar. The analysis was carried out using Systematic Literature Review (SLR), using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) approach. Results: The data search obtained 341 articles, and those that met the inclusion criteria were 9 (nine) articles with publication years 2019–2023 , in the fields of e-commerce, fintech, and online transportation. Article on cases of transactions via e-commerce and online transportation using UUITE No. 19 of 2016, and UUPK no. 8 of 1999. This regulation has not been able to meet increasingly dynamic market conditions and very sharp competition in the business world, so it has not been able to provide legal certainty to consumers. Problems in the fintech P2P lending sector use the legal basis of POJK No. 77 of 2016 concerning Information Technology-Based Money Lending Services. Regarding this regulation, it is still subjective, so it cannot provide protection to customers. In fact, there are still many illegal fintech loans found, thus outside the responsibility and authority of the OJK. Novelty: trends obtained from previous research regarding consumer legal protection. Future Research Agenda: conducting a study on the future of law in the digital economy era regarding obstacles in harmonizing various regulations.

Rachmadany Dea, 1961201032, Effects of Brand Trust, Fintech Convenience, and Risk on Purchase Decisions Using the Paylater Payment (Case Study in Gading Village Rt. 10 Rw. 07 Kota Surabaya). This study aims to determine the effect of brand trust, fintech convenience, and risk variables on purchasing decisions using paylater payment feature in a case study in Gading Village, Rt. 10, Rw. 07 City of Surabaya. The sample in this study is 62. The variables of this study are brand trust, convenience, and risk. The model in this study uses multiple linear analysis, namely the classical assumption test and hypothesis testing which consists of the T test and the coefficient of determination. The results of this study indicate that: 1) Brand trust partially influences purchasing decisions. 2) Ease partially has no effect on purchasing decisions. 3) Partial risk has no effect on purchasing decisions.

The background is financial reports have not complied with accounting standards and no digital-based financial system innovations. This will affect banking decisions to provide financing assistance and MSMEs difficulties in sustaining their business. This service aims to improve the quality of financial reports and digital-based financial innovation (fintech) then MSMEs can be highly competitive and continuously reduce banana stem waste in Cimenyan. The method used is training & mentoring so that more "bankable" to prospective borrowers from banks and a more updated financial application system is produced. The finding is the reduction of banana stem waste in Cimenyan. The implication, training program, that in the end the bank approves the application for funds. The output is partners have knowledge about financial reports that are according to standards, more practical in the fintech era. They can be highly competitive and profitable for the MSME industry on a national and international scale.  

The aim of this publication is to clarify the legal relationship between parties involved in peer-to-peer lending as well as legal protection in the event of default. This research uses a method known as normative legal research or library law research, where secondary data or library materials are used as source material. In addition, this page explains in general the P2P lending model, rules, P2P lending arrangements in Indonesia, and consumer legal protection. Based on this research, it is known that the parties involved in P2P lending have power relations, loan agreements, and cooperation agreements. Depending on the cause of default, the lender or P2P Lending provider may be liable for default risk. Although illegal P2P lending is not subject to OJK regulations, legal P2P lending businesses are regulated by the Financial Services Authority (OJK) and must comply with OJK regulations. Subjective terms are violated by loan agreements signed through illegal P2P Lending, allowing requests for cancellation in court.  

The rapid technological developments also have an impact on the financial industry in Indonesia. Financial service providers issue a variety of products to support their business activities and also to serve consumers who use their product services. One of the products they offer to consumers is Fintech. The Fintech innovations offered include Peer to Peer Lending (P2PL), crowdfunding, Payment Gateways, and risk and investment management. From these technological developments, new challenges arise for financial service supervisors and the government to monitor these practices in order to create an environment that is not detrimental between financial service providers and consumers. This study aims to explore the role of existing legal regulations in Indonesia in dealing with technological developments in the financial sector. The research was conducted by means of descriptive analysis and collecting review literature studies to compare and analyze consumer protection in the development of Fintech. The results of this study indicate the need for supervision by financial supervisory institutions in practice to oversee the activities carried out by financial service providers in offering their products to consumers, so that there are no violations that can harm consumers.

This study aims to find about: (1) fintech service in the mobile banking-based non-cash payment system (Muamalat-DIN) at Bank Muamalat KCP Lamongan: (2) implementation of fintech in the mobile banking-based non-cash payment system (Muamalat-DIN) at Bank Muamalat KCP Lamongan. This study uses a descriptive qualitative research method. The results of this study are: (1) fintech services in the non-cash payment system in Muamalat-DIN are transfers, QRIS, credit top-ups, internet credit top-ups, electronic money top-ups, google play voucher codes, spotify premium, postpaid credit payments, PLN electricity, Telkom, cable TV, PDAM, IPB campus education payments, airplane tickets, ZISWAF, family takaful, BPJS employment, BPJS health, SAMSAT/SIGNAL, BPJPH, virtual accounts, multi payments, and hijrah pensions (DPLK); (2) the implementation of fintech at Bank Muamalat varies, there are Muamalat-DIN, phone banking, internet banking, MADINA, online share-e debit, and ATMs. The most popular Fintech at Bank Muamalat KCP Lamongan is Muamalat-DIN. In Muamalat-DIN, customers of Bank Muamalat KCP Lamongan often use services in the form of transfer, QRIS, credit top-ups and internet credit top-ups, electronic money top-ups, payment services such as PLN electricity, Telkom, PDAM, ZISWAF, BPJS for employment, BPJS for health, virtual accounts, and hijrah pension (DPLK). This fintech implementation has benefits for banks and customers, the benefit for Bank Muamalat KCP Lamongan is that it will have a wider reach, operational and marketing costs are more economical. And the benefits felt by customers are that transactions are easier, faster, accessible 24 hours because access is via a smartphone, and customers don't need to carry a lot of cash everywhere.

In Indonesia, Law no. 07 of 1992 concerning Banking stipulates two categories of banks: Commercial Banks and Rural Banks. The number of BPRs in Indonesia, according to the Indonesian Banking Statistics Report, totaled 1,552 as of November 2019. Historically, BPRs have existed since the colonial era and have been in contact with small and rural communities. In light of this, the government's policy regarding the establishment of BPRs was facilitated through Pakto 88 and Presidential Decree No. 38 of 1988, which aimed to improve public services. BPRs are currently facing many challenges from the rapidly changing external environment of the industry, including government policies, macroeconomic conditions, competition, and advances in fintech. The purpose of this paper is to analyze the challenges faced by BPR KWP in providing loans and their roles and development efforts, so that BPR KWP continues to develop and play a role in supporting the real sector, especially MSMEs. On the other hand, the changes referred to have indirectly reduced the profitability performance of BPRs over the last five years

Financial Technology atau FinTech merupakan hasil gabungan antara jasa keuangan dengan teknologi yang akhirnya mengubah model bisnis dari konvensional menjadi moderat, yang awalnya dalam membayar harus bertatap-muka dan membawa sejumlah uang kas, kini dapat melakukan transaksi jarak jauh dengan melakukan pembayaran yang dapat dilakukan dalam hitungan detik saja. Layanan pinjaman online (Peer to Peer Lending) merupakan bantuan finansial yang dikeluarkan oleh lembaga keuangan secara dalam jaringan (daring). Tujuan penelitian ini adalah mendapatkan pendidikan dalam bentuk perlindungan hukum terhadap peminjam online berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 Tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi. Metode penelitian menggunakan metode penelitian yuridis normatif. Temuan dalam penelitian ini adalah adanya dampak positif dan negatif dari yang menjadi sebuah kelebihan dan kekurangan dari layanan pinjaman online (Peer to Peer Lending).

The development of information technology supported by the rapid use of the Internet has created a number of fintechs that will make it easier for people to access financial services digitally. The aim of this research is to know the role of fintech against financial inclusion in UMKM in Banyumas. This research uses the method of literature study, by exploring and examining the results of previous research findings. The results of this research explain that financial technology can have a positive impact in increasing inclusive finance on UMKM in Banyumas.    

Dunia usaha atau usaha mikro, kecil dan menengah serta kemajuan zaman dan kemudahan teknologi dapat mempengaruhi mereka dalam memperlakukan dana (uang) yang dimilikinya, baik untuk penyimpanan maupun untuk transaksi. Kenyamanan dan inovasi di bidang keuangan mengikuti perkembangan zaman dengan tuntutan kemudahan dan kepraktisan. Beberapa UMKM di Kebonagung Demak telah memanfaatkan financial technology (fintech) ini untuk mempermudah bisnis. Hasil survei menunjukkan bahwa tingkat inklusi keuangan bagi UMKM belum optimal. Populasi dalam penelitian ini adalah seluruh UKM yang ada di Kebonagung Demak. Pengumpulan data menggunakan metode accidental sampling. Alat analisis menggunakan regresi ganda berganda dengan melakukan uji lain seperti uji normalitas, uji deviasi asumsi klasik, uji kecocokan dan uji koefisien determinasi. Untuk tes intervening menggunakan tes sobel dengan program SPSS dan www.danielsoper.com. Hasil penelitian menunjukkan bahwa financial skill berpengaruh positif signifikan terhadap inklusi keuangan (H1 terbukti) dan juga berpengaruh terhadap layanan keuangan berbasis fintech (H2 terbukti). Jasa keuangan berbasis fintech berpengaruh positif signifikan terhadap inklusi keuangan (dibuktikan H3). Layanan keuangan berbasis fintech mampu memediasi pengaruh financial skills terhadap inklusi keuangan pada UMKM di Kabupaten Demak    

The financial sector is undergoing rapid digital transformation, driven by innovations in digital banking, fintech, and AI-driven solutions. This transformation has significant implications for consumer trust and data security. This paper explores the impact of these technological advancements on customer confidence in financial institutions, especially in light of recent data breaches and cybersecurity threats. By analyzing regulatory responses and cybersecurity frameworks, the study emphasizes the critical need for robust protections to build and maintain consumer trust in digital finance. Findings indicate that enhanced security measures and regulatory oversight are essential in safeguarding data and supporting the sustainable growth of digital finance.

Fintech syariah mulai tumbuh dan berkembang di Indonesia. Perkembangan yang cukup dratis dikalangan umat islam menaruh kepercayaan besar berinvestasi syariah ditambah dukungan generasi milenia dan generasi Z yang lebih berminat atas sistem yang serba cepat dan sistematis ditengah industri pendanaan resakdana dinilai semakin tertekan. Awal mula berdirinya fintech syariah merupakan respon dari berkembangnya perusahaan fintech konvensional yang mengenakan bunga ditiap operasi kegiatannya. Fintech syariah yang tidak mengandung unsur: Riba (Bunga), Gharar (Ketidakjelasan), Maysir (Judi), Tadlis (Penipuan), Dharar (Bahaya), Zulm (Ketidakadilan), dan Haram serta sistem akad syariah terkait hukum kontrak online dimana memberlakukan asas-asas hukum kontrak syariah berdasarkan hukum islam menjadi fenomena baru di tengah perkembangan bisnis keuangan syariah. Tujuan penelitian yaitu memberikan gambaran literasi tentang pemahaman fintech syariah terkait teori, dasar hukum fintech syariah, manfaat, resiko, sistem akad fintech syariah dan perkembangan fintech syariah yang sedang berkembang di Indonesia. Pengunaan metode kualitatif deskriptif berupa pengamatan perilaku dengan studi literatur dari buku teks, artikel media massa dan literatur online dipakai sebagai teknik pengumpulan data. Hasil penelitian ini adalah semua transaksi fintech syariah memegang teguh prinsip syariah, dimana sistem akad dianggap sah apabila sejalan dengan hukum syariah ditengah perkembangan fintech syariah yang mulai diminati semua kalangan pembisnis syariah.

The development of information technology has penetrated all financial sectors, including sharia financial technology. The concept of Sharia Fintech Innovation must be guided by the Qur'an and Sunnah. By the Fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI). Of the many startups registered with the OJK and BI, only a small number operate according to sharia principles. The lack of literacy related to sharia fintech innovation is the reason why conventional fintech products and services are more attractive to the public. This study aims to explain the concept of fintech products and services in sharia principles and is limited to three products, namely Peer to Peer Lending, E-Money, and Crowdfunding. The method used in this research is literature study, by taking various references and literature related to research. The results of the study explain that 1) Sharia principles related to peer-to-peer lending, e-money, and crowdfunding are by the Fatwa of the National Sharia Council-Indonesian Ulema Council, namely that one must avoid Riba, Gharar, Maysir , Tazlis, Ishraf and transactions of illicit goods. 2) The contracts used for peer-to-peer lending are in line with the characteristics of financing services such as al-bai', ijarah, mudharabah, musyarakah, wakalah bi al ujrah, and qardh. Whereas e-money uses two contracts, namely the contract between the Issuer and the Holder using a wadiah contract and the contract between publishers and traders using a wakalah contract.

One form of progress in the current financial sector is evidenced by the adaptation of Fintech, which stands for sharia P2PL Financial Technology. Financial institutions in carrying out their activities cannot be avoided what is called risk. That's why to gain profit and customer trust, financial institutions are required to have good risk management, especially fintech companies that offer convenience and efficiency in transactions, so they will be very vulnerable to various types of risks in the financing process that can affect the sustainability of the fintech itself. fintech companies, before channeling financing to potential recipients of funds, also need to be able to pay attention to various risks that may arise, both predictable and not, and also have techniques for mitigating risks from all possibilities that may occur in the future, so there is a need for strategic steps and ways to minimize existing risks. This type of research is empirical and uses a qualitative approach with secondary data source. From the explanation, it can be said that PT ALAMI Sharia has carried out Sharia fintech P2PL transactions that are following existing economic principles starting from the identification of potential recipients of funds, analysis carried out by PT ALAMI and risk mitigation carried out by PT ALAMI Syariah.