Atmadjaja, Hans Samuel (2022) Tinjauan yuridis terhadap penggunaan artificial intelligence dalam sistem electronic-know your customer (e-kyc) pada platform peer-to-peer lending di Indonesia. Bachelor thesis, Universitas Pelita Harapan.
|
Text (Title.pdf)
Title.pdf.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB) | Preview |
|
|
Text (Abstract.pdf)
Abstract.pdf.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (98kB) | Preview |
|
|
Text (ToC.pdf)
ToC.pdf.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (165kB) | Preview |
|
![]() |
Text (Chapter1.pdf)
Chapter1.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (517kB) |
|
![]() |
Text (Chapter2.pdf)
Chapter2.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (345kB) |
|
![]() |
Text (Chapter3.pdf)
Chapter3.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (190kB) |
|
![]() |
Text (Chapter4.pdf)
Chapter4.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (582kB) |
|
![]() |
Text (Chapter5.pdf)
Chapter5.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (84kB) |
|
|
Text (Bibliography)
Bibliography.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (317kB) | Preview |
|
![]() |
Text (Appendices)
Appendices.pdf.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB) |
Abstract
Law Number 10 of 2022 of the Service Authority Regulation concerning Information Technology-Based Joint Funding Services (POJK No. 10 /2022) does indeed provide certainty, benefits, and obligations in terms of organizing funding activities using a legal peer-to-peer lending platform that has obtained a permit from the Financial Services Authority. However, POJK No. 10/2022 is less able to mitigate the risk of default on the approval party. Peer-to-peer lending activities rely on artificial intelligence technology for the credit scoring system of parties involved in the e-KYC system imposed by the organizers. One of the author's research focuses is the implementation of artificial intelligence in the credit scoring system of the e-KYC process related to funding activities in peer-to-peer lending. E-KYC is a customer recognition process that uses a combination of personal data and biometric data that is integrated with an electronic system. The data is processed using the help of artificial intelligence technology so that it tests a person's eligibility and ability to pay off his loan. Implementation regarding artificial intelligence and e-KYC has not been regulated in terms of POJK No. 10/2022 raises questions regarding the position of artificial intelligence in peer-to-peer lending considering that artificial intelligence technology has been widely used by peer-to-peer lending providers. Matters related to the regulation of the implementation of artificial intelligence are listed in PP No.71/2019 and regulations regarding e-KYC and credit scoring are listed in POJK No.13/2018. The existence of agreements and differences legally concludes that there is a legal agreement in terms of regulation of AI and e-KYC in funding activities in peer-to-peer lending which in accordance with POJK No. 10/2022. Therefore, the author tries to dissect the regulations regarding artificial intelligence and e-KYC in conjunction with the legal basis of P2P Lending to provide legal certainty to minimize the number of people who fail to pay their loans in Indonesia.
Item Type: | Thesis (Bachelor) | ||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Creators: |
|
||||||||||||
Contributors: |
|
||||||||||||
Uncontrolled Keywords: | peer-to-peer lending, e-kyc, credit scoring | ||||||||||||
Subjects: | K Law > K Law (General) | ||||||||||||
Divisions: | University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Law Current > Faculty/School - UPH Karawaci > Faculty of Law > Law |
||||||||||||
Depositing User: | Hans Samuel | ||||||||||||
Date Deposited: | 18 Jan 2023 04:56 | ||||||||||||
Last Modified: | 18 Jan 2023 04:56 | ||||||||||||
URI: | http://repository.uph.edu/id/eprint/52664 |
Actions (login required)
![]() |
View Item |