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The financial sector is one sector that has an important role in the nation-s economy andcontinues to develop in line with the needs of its community. Currently, the innovation in thefinancial sector known as financial technology (fintech) has taken the world-s attention. Asthe emerging nation, the development of fintech in Singapore is also worth to look. Inindonesia, the regulation environment of the digital economy is handled by various laws andfinancial bodies, namely Financial Services Authority of Indonesia (OJK) and BankIndonesia (BI). This study uses a normative juridical approach. The used sources and types of datacome from literature review. This paper is aimed to bring insight into the regulatory aspects offintech and personal data protection in Singapore and Indonesia, and what can thegovernment do to anticipate and regulate the ever-changing fintech services and to bettermanage risks of data protection in the financial sector in Indonesia