Fungsi Otoritas Jasa Keuangan (OJK) Atas Perlindungan Hukum Pengguna Jasa Financial Daring Di Pekanbaru

Financial technology or often referred to as fintech is a technology created for financial needs. Things that are related to finance but are accessed through technology are also called fintech. Nowadays, many banks use the fintech system because in addition to saving time, it can also be accessed anywhere. Fintech is also known as a combination of transactions and technology so that fintech changes the types of transactions that were originally traditional where each party met each other and carried out transactions with a certain amount of money. As for in this study, the main problems that will be discussed are: The function of the Financial Services Authority in Protecting Online Financial Customers in Pekanbaru and the second is Online Financial Legal Supervision in Indonesia and the purpose of this study is the same as the formulation of the main problem, namely to find out the results of the formulation problem created by the researcher. This legal research belongs to the type of survey research (Observational Research). This type of research method is intended to solve problems that exist at the present time by collecting data and compiling or clarifying it, then analyzing and seeing a legal reality in society to then obtain a result. The results of the research that the author obtained are: The function and role of the OJK in supervising the organizers of the Financial Services Industry in the Fintech sector must be optimized, the OJK will oversee the implementation of regulations related to the implementation of Fintech. Meanwhile, in the case of legal protection efforts against debtors in Financial Technology or P2PL-based money loan services, there are regulations and provisions governing the implementation of this activity, business actors or P2PL Fintech operators must pay attention to and implement the provisions of OJK Regulation Number 77/ POJK.07/2016 concerning Information Technology-Based Lending and Borrowing Services. This regulation includes; institutional; registration; licensing; limits on lending and;, governance of information technology providers; activity limitation; risk management; reports, as well as consumer protection education