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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.

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.

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 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.

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.