TINJAUAN HUKUM TERHADAP PERJANJIAN PINJAMAN ONLINE DAN PENGGUNAAN DATA KONSUMEN APLIKASI “KREDIT PINTAR”

Along with the vast development of information technology, the financial and economic realm has to switch its course following the 4.0 industry that gave birth to financial technology (Fintech) companies. This study aims to discuss and analyse the P2P Lending agreement, in this case, the KreditPintar online loans agreement and its questionable approach in protecting their customers’ data and privacy, by using normative juridical with descriptive-analytical research specifications method. Undoubtedly, with the existence of financial technology industries as disruptive innovation has dismantled the traditional civil law practices, the current law is forced to adapt to the changes. In regards to the Indonesian Financial Services Authority (OJK) Law No. 77/POJK.01/2016 as the legal basis to Fintech services in Indonesia, as well as other related regulations and its practices required an in-depth academic discussion for its crucial role to balance out the legal uncertainty caused by development in technology. The goal of this study is to have a clear picture and understanding of how the law could govern a fair online loans agreement, to protect customers data and privacy, as well as to accommodate the ever-growing financial technology and customer demand