Berita Kegiatan Seminar Nasional Magister Manajemen Upaya Strategi Dalam Mencegah Dan Mengatasi Terjadinya Kesalahan di Industri Teknologi Finansial
This time, the Management Series Webinar is a Management Masters Study Program which is part of the Faculty of Economics and Business, Hayam Wuruk University, Perbanas. In addition, the important point of this webinar is Strategic Efforts in Preventing and Overcoming Crime in the Financial Technology Industry. This event was attended by our resource person, Bagas Setiaji, MBA. As the first speaker as well as Junior Analysis of the Financial Services Authority of the Republic of Indonesia, Dr. Nanang Shonhadji., SE., AK., CA., M.Sc., CMA., CPA as Resource Person 2 as well as Fintech Researcher, Lecturer at Hayam Wuruk Perbanas University, and Dr. Ronny, S.Kom., M.Kom as Chairperson Master of Management Study Program at Hayam Wuruk Perbanas University and became the 3rd Resource Person as well as Cybercrime Observer. Tegar Rismanuar Nuryitmawan as a moderator as well as a student receiving a master's degree scholarship in management at the Hayam Wuruk Perbanas University in 2020, and very enthusiastic participants from inside and outside the campus.
The material presented related to Strategic Efforts in Preventing and Overcoming Crime in the Financial Technology Industry which was held on Saturday, July 16, 2022 were various types of financial services, namely - Payments; - Funding (funding); - Banking (digital banking); - Capital market (capital market); - Insurance (insurtech); - Others (digital financial innovation). The potential of the digital economy reaches US$146 billion by 2025 (correcting the previous estimate of US$124 billion). Funding needs are very large and cannot be fully met by existing institutions. The funding gap is USD 165 billion or around IDR 2,300 trillion. Based on World Bank data in 2017, Indonesia's level of financial access is still lower than some neighboring countries such as Malaysia, India and Singapore. ONLINE LOANS (PINJOL): Borrowing and lending services or funding or credit based on information technology that can be implemented by LJK (eg Banks, Financing Institutions, and P2P Lending) and non LJK (eg Digital Cooperatives). Borrowing and lending services or direct funding between Creditors/Lenders (Funding Providers) and Debtors/Borrowers (Fund Recipients) based on information technology.
Some of the Fintech phenomena are P2PL Fintech offering financing solutions without collateral that are practically fast and easy. Less than 50% of P2PL Fintech circulating in the community are registered in the OJK database. The lack of strong infrastructure, education and security against illegal online lending practices. Advances in information technology that have a digital business platform that has been integrated with the Playstore on Android have made it easier for illegal P2P lending fintech business actors to commit fraud. The Banking Act does not explain the definition of internet banking crime. However, internet banking crimes can be interpreted as "crimes in the banking sector mediated by the use of application-based platforms and the internet" which in this sense includes all unlawful acts related to the banking business. The Banking Act does not explain the definition of internet banking crime. However, internet banking crimes can be interpreted as "crimes in the banking sector mediated by the use of application-based platforms and the internet" which in this sense includes all unlawful acts related to the banking business.
In Article 45A paragraph (1) of the ITE Law, Anyone who intentionally and without rights spreads false and misleading news that results in consumer losses in Electronic Transactions as referred to in Article 28 paragraph (1) shall be punished with imprisonment for a maximum of 6 (six) years and / or a maximum fine of Rp. 1,000,000,000.00 (one billion rupiah). Article 45B of the ITE Law Any person who intentionally and without rights sends Electronic Information and/or Electronic Documents containing threats of violence or intimidation directed at personally as referred to in Article 29 shall be punished with imprisonment for a maximum of 4 (four) years and/or a fine. a maximum of Rp.750,000,000.00 (seven hundred and fifty million rupiah). Strategies to prevent and overcome crime in the Fintech industry are Evaluation of licensing services, Increasing public digital literacy, Proactively blocking access, Synergy between institutions under supervision, More encouraging promotion of legal fintech, Inclusion of permit labels on fintech webs connected to OJK. (Moonsya)