摘要：Penulis mengamati banyaknya penyalahgunaan data pribadi dalam industri FinTech, terutama pada FinTech Peer to Peer Lending. Berdasarkan penelurusan peraturan perundang-undangan ditemukan bahwa pemerintah sudah mengatur industri FinTech dengan baik, sekalipun perlindungan yang diberikan terhadap pengguna (konsumen) ternyata belum lengkap atau sempurna. Masih ditemukan ada kelemahan dalam pemberian sanksi (administrasi, pidana dan perdata) bagi para pelanggar hukum. Untuk meningkatkan perlindungan, diperlukan adanya Undang-Undang Perlindungan Data Pribadi maupun lembaga khusus yang mengawasi perlindungan data pribadi tersebut.
其他摘要：It came to the author’s attention that personal data collected or appropriated in the course of FinTech industry especially those that related to FinTech Peer to Peer Lending services are prone to misuse. The author, after perusing the prevailing laws regarding FinTech industry, concludes that a well-functioning system of rules has been put in place to regulate this industry. However, what is lacking is sufficient guarantee or protection of consumer’s personal data. Available is the option to use a weak (administrative, civil or penal) sanction against alleged misuse or misappropriation of personal data. To enhance better legal protection, the author suggests, that the government issue a special law on personal data protection, including establishing a a special governmental supervisory body to that purpose.
关键词：data pribadi;FinTech;peer to peer lending;konsumen
其他关键词：personal data;FinTech;peer to peer lending;consumer
