Financial technology, between education and regulation Wahyudin Maguni(a*), Sodiman(b), Rusdin Muhalling(c), Irma Irayanti(d), Husain Insawan(e)
a) IAIN Kendari *wmaguni[at]yahoo.com b) IAIN Kendari c) IAIN Kendari d) IAIN Kendari e) IAIN Kendari
Abstract
The presence of Financial Technology makes changes to the financial services sector, from the previous face to face, now through electronic devices, in seconds, "We intensively continue to study the development of this Financial Technology phenomenon, so that later Financial Technology can oversee the economic revolution so that it can support industrial development financial services going forward and continuing to guarantee consumer protection in the homeland, "According to the Deputy Chairman of the OJK Board of Commissioners Rahmat Waluyanto (2019). The presence of Financial Technology, is an opportunity to continue to improve the development of the financial services sector, including encouraging financial inclusion programs. OJKs plans for Fintechs Development & Regulations in Indonesia are as follows: 1). Launched the Financial Technology Innovation Hub as a Financial Technology innovation development center and became a national Financial Technology one stop contact to connect and collaborate with various institutions and institutions that support digital financial ecosystems. 2). OJK prepares a CA (certificate authority) in the financial services sector as a continuation in matters of agreement with KOMINFO. 3). To be in accordance with existing regulations in Indonesia, so that later can guarantee that an online transaction or e-transaction that is digitally signed can be declared safe and has legal force. 4). Regulatory sandbox as a regulation that regulates a variety of things at a minimum so that the development of Financial Technology has a legal basis to attract investment, efficiency, protect the interests of consumers and grow sustainably 5). Implementation of data and information security standards in the management of FinancialTechnology will be reviewed along with the needs of the Information Security Incident Reporting Center in the financial services industry.6). To ensure posture and readiness to handle information security so that it is always maintained in order to reduce risks and also threats to information in the financial services industry, there will be a centralized Vulnerability Assessment (VA) in the financial services industry.
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