Konsepsi pengaturan kolaborasi bank dan fintech dalam industri keuangan digital di Indonesia

Patria, Valentino (2024) Konsepsi pengaturan kolaborasi bank dan fintech dalam industri keuangan digital di Indonesia. Doctoral thesis, Universitas Pelita Harapan.

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Abstract

Dalam industri keuangan digital, perbankan semakin dituntut inovasinya dalam pengembangan Produk dan Layanan agar tidak ditinggal oleh nasabahnya. Salah satu cara perbankan untuk mempercepat kemampuannya dalam pengembangan produk dan layanan digital adalah melakukan kolaborasi dengan fintech. Pemanfaatan Data merupakan komponen penting dalam kolaborasi Bank dan Fintech dalam pengembangan produk dan layanan digital. Berbagi data dengan menggunakan Application Program Interface (API) atau dikenal dengan Open Banking saat ini mulai dimanfaatkan oleh para pelaku keuangan digital termasuk Bank dan Fintech. Penelitian ini bertujuan mengkaji hal-hal terkait mengenai bagaimana pengaturan terkait kolaborasi Bank dan Fintech dalam pengembangan produk dan layanan keuangan digital. Dalam penelitian ini, penulis menggunakan teori tujuan Hukum, Teori Legal System dan teori Hukum Responsif dalam membedah permasalahan dalam penelitian. Relevansi ketiga teori tersebut pada topik penelitian, karena pada dasarnya Peraturan yang ada harus dapat memberikan keadilan,kepastian dan kemanfaatan bagi masyarakat. Penelitian ini dilakukan dengan menggunakan metode yuridis normatif dengan jenis penelitian kualitatif yang bersifat deskriptif analitis. Dalam penelitian ini digunakan data sekunder yang diperoleh diperoleh melalui kepustakaan, dengan mengkaji, menelaah dan mengolah literatur, peraturan perundangan-undangan, artikel atau tulisan yang berkaitan dengan permasalahan yang akan diteliti. Hasil yang diperoleh dari penelitian ini adalah baik Bank Indonesia maupun Otoritas Jasa Keuangan menggunakan berbagai kombinasi kebijakan dalam mengatur aktifitas keuangan digital termasuk berbagi data dalam kolaborasi perbankan dengan pihak ketiga termasuk fintech, diantaranya dengan menerapkan principle based regulation dan mengoptimalisasi peran SRO dalam implementasi yang lebih detail dalam bentuk penyusunan standard nasional. Diperlukan penguatan struktur kelembagaan khususnya terkait Standard Governing Body yang meliputi aspek tata kelola terkait resiko IT, penguatan dan sinkronisasi aturan terkait Portabilitas Data, Hak Subjek Data, consent customer dan Penyesuaian UU Persaingan Usaha saat ini untuk mengatur posisi dominan akibat penguasaan data di Industri Digital, serta juga penguatan legal culture di Industri Digital./In the digital financial industry, banks are challenged to innovate in developing their products and services to retain their customers. One way for banks to rapidly increase their capabilities in digital financial products and services development is to collaborate with fintech companies. The usage of data is an important aspect in bank and fintech collaboration to enhance digital product and services. Data sharing through Application Programming Interfaces (APIs) or known as Open Banking, is now being leveraged by financial actors including bank and fintech. This study aims to explore various aspects in relation to how the collaboration between banks and fintechs is regulated in the development of digital products and services. The author employs theories such as Purpose of Law, Legal System Theory, and Responsive Law to dissect the research issues. The correlation between these three theories to the research topic lies in their focus on ensuring that regulations provide justice, certainty, and societal benefits. The research methodology used in this research is juridical normative with a qualitative descriptive-analytical approach. Secondary data from literature, legal provisions, articles, and related writings are analyzed and processed to delve into the research issues. The findings of this research indicate that both the Central Bank of Indonesia and the Indonesian Financial Services Authority (OJK) use various policy combination to regulate and oversee digital financial activities, including data sharing in banking collaboration with third parties including fintech such as implementing principle based regulation and optimizing te role SROs to detailing regulation in form national standards. It is necessary to strengthen the institutional structure especially related to Standard Governing Body in the governance aspect related to IT Risk, strengthening and synchronizing regulation related to Data Portability, Data Subject Rights, Customer Consent, Adjustment of the current Business Competition Law to regulate the dominant position resulting from data control in the Digital Industry, as well as strengthening legal culture in the Digital Industry.
Item Type: Thesis (Doctoral)
Creators:
Creators
NIM
Email
ORCID
Patria, Valentino
NIM01657200059
tvalen223@gmail.com
UNSPECIFIED
Contributors:
Contribution
Contributors
NIDN/NIDK
Email
Thesis advisor
Supancana, Ida Bagus Rahmadi
NIDN0312125801
supancana@yahoo.com
Thesis advisor
Sihombing, Jonker
NIDN8838820016
jonker.sihombing@uph.edu
Uncontrolled Keywords: Open Banking ; Standard Open API ; Kolaborasi Bank
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Doctor of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Doctor of Law
Depositing User: Valentino Gola Patria
Date Deposited: 26 Nov 2024 02:37
Last Modified: 26 Nov 2024 02:37
URI: http://repository.uph.edu/id/eprint/65637

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