Accelerate Ecosystem Development Financial Services Sector

Rahmayati Rahmayati

Abstract


Introduction to The Problem: The Fintech business is a financial innovation with a touch of modern technology, which takes advantage of the development of information technology to create new innovations in the financial services sector, which are faster and easier to use. So that preparations are needed in accelerating the ecosystem of the financial services sector.

Purpose: The purpose of this article is to find out how far the acceleration of the financial services sector ecosystem in Indonesia.

Methodology: This article explained by using a normative juridical writing method by conducting a literature study on secondary data, and primary legal materials (laws and regulations), Using a statute approach, which is to examine all laws and regulations related to legal issues. describe the object under study.

Findings: To ensure the optimization of Fintech for economic growth and financial inclusion in Indonesia, OJK and relevant regulators need to maintain a balance between the ease and flexibility of services offered by Fintech with aspects of supervision and consumer protection. Without paying attention to these two things, Fintech has the potential to disrupt the stability of the financial system in a country. It must be ensured that consumers using Fintech understand the products and services they use, such as procedures, benefits, costs/obligations, risks, and security aspects. An innovation ecosystem is sustainable when it provides the assets and resources needed to build relationships between partners, promote growth and responsiveness of systems to catalyzing internal and external change, and translate knowledge generated by research organizations to industry investors.

Paper Type: General Review


Keywords


Accelarate; Ecosystem; Financial Sectors

Full Text:

PDF

References


Allison Bramwell, Nicola Hepburn and David A. Wolfe.2012. Growing Innovation Ecosystems: University-Industry Knowledge Transfer and Regional Economic Development in Canada. Knowledge Synthesis Paper on Leveraging Investments in HERD

Final Report to the Social Sciences and Humanities Research Council of Canada

Benuf, K., & Azhar, M. (2020). Metodologi Penelitian Hukum sebagai Instrumen Mengurai Perma- salahan Hukum Kontemporer. Gema Keadilan, 7(1), 20–33.

Benuf, K., Mahmudah, S., & Priyono, E. A. (2019). Perlindungan Hukum terhadap Keamanan Data Konsumen Financial Technology di Indonesia. Refleksi Hukum: Jurnal Ilmu Hukum, 3(2), 145– 160. https://doi.org/10.24246/jrh.2019.v3.i2. p145-160

Benuf, K., Njatrijani, R., Priyono, E. A., & Adhim, N. (2020). Pengaturan dan Pengaasan Bisnis Financial Technology di Indonesia. Dialogia Iuridica: Jurnal Hukum Bisnis Dan Investasi, 11(2), 46– 69.

Benuf, dkk. 2020. Efektifitas Pengaturan dan Pengawasan Bisnis Financial Technology (Peer to Peer Lending) di Indonesia.Pandecta Volume 15. Number 2. December 2020 page 198-206

Dolan, Jonathan.2009. Accelerating the Development of Mobile Money Ecosystems.” Washington, DC: IFC and the Harvard Kennedy

School.

Georgio A. Panos and John O.S. Wilson.2020. Financial literacy and responsible finance in the FinTech era: capabilities

and challenges. THE EUROPEAN JOURNAL OF FINANCE

, VOL. 26, NOS. 4–5, 297–301

https://doi.org/10.1080/1351847X.2020.1717569

Hariyani, I. (2017). Perlindungan Hukum dan Peny- elesaian Sengketa Bisnis Jasa PM-Tekfin. Jurnal Legislasi Indonesia, 14(3), 333–346

In Lee, Yong Jae Shin. 2018. Fintech: Ecosystem, business models,

investment decisions, and challenges. Business Horizons (2018) 61, 35-46

OJK. (2020). Penyelenggara Fintech Terdaftar di OJK per April 2020. Publikasi Otoritas Jasa Keuangan. https://www.ojk.go.id/id/berita-dan-kegiatan/ publikasi/Pages/Penyelenggara-Fintech-Terdafar-dan-Berizin-di-OJK-per-30-April-2020.aspx, diakses pada 4 Juni 2020.

PBI No. 11/12/PBI/2009 tentang Uang Elektronik (Electronic Money)

POJK No. 77/ POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi

POJK No.13/POJK.02/2018 tentang Inovasi Keuangan Digital Di Sektor Jasa Keuangan

Priyono, F. X. J. (2019). Penelusuran dan Dokumentasi Hukum. In Buku Ajar Pendidikan Khusus Profesi Advokat. Universitas Diponegoro

Pudhail, Muhammad, Imam Baihaqi. Strategi Pengembangan Ekosistem Ekonomi Digital Indonesia. Jurnal Ilmiah-Vidya, Vol 25 No 1

Rumondang, Astri.dkk.2019. Fintech Inovasi Sistem Keuangan di Era Digital. Yayasan Kita menulis

Santi, Ernama. Budiharto, Hendro Saptono.Pengawasan Otoritas Jasa Keuangan terhadap Financial Technology (Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016). Diponegoro Law Journal Volumen 6, Nomor 3, Tahun 2017

Simamora, J. (2014). Tafsir Makna Negara Hukum Dalam Perspektif Undang-Undang Dasar Neg- ara Republik Indonesia Tahun 1945. Jurnal Dinamika Hukum, 14(3), 547–561. https://doi. org/10.20884/1.jdh.2014.14.3.318

Yael V. Hochberg. 2016. Accelerating Entrepreneurs and Ecosystems: The Seed Accelerator Model. The National Bureau of Economic Research


Refbacks

  • There are currently no refbacks.


Annual Conference on IHTIFAZ: Islamic Economic, Finance and Banking(ACI-IJIEFB)

Kampus 4 Universitas Ahmad Dahlan
Jl. Ring Road Selatan, Tamanan, Banguntapan, Bantul, Daerah Istimewa Yogyakarta 55191
Telp. (0274) 563515; Fax. (0274) 564604
E-mail : ihtifaz@uad.ac.id