Perlindungan Data Pribadi Konsumen dalam Layanan Keuangan Digital: Tinjauan dari UU PDP

Catherine Wijaya; Corrie Yemima Ilona; Cristin Rosa Gultom; Sri Handayani

doi:10.55606/birokrasi.v3i2.1847

Authors

Catherine Wijaya Universitas Sriwijaya
Corrie Yemima Ilona Universitas Sriwijaya
Cristin Rosa Gultom Universitas Sriwijaya
Sri Handayani Universitas Sriwijaya

DOI:

https://doi.org/10.55606/birokrasi.v3i2.1847

Keywords:

personal data, digital finance, consumer protection, legal protection, privacy

Abstract

This research is based on the growing risk of personal data breaches in digital financial services, following the rapid growth of financial technology. The main goal of this study is to examine how personal data of consumers is legally protected under Law Number 27 of 2022 on Personal Data Protection, and to find out the challenges in applying this law in the digital finance sector. This study uses a legal approach by reviewing books and laws, and analyzing them in a simple, qualitative way. The results show that there are mismatches in regulations, low digital literacy, and technical and organizational problems that make it hard to apply the law effectively. This research suggests creating an independent supervisory body, making clear rules to support the law, improving public understanding, and encouraging cooperation between sectors to better protect users' personal data in digital services.

References

Ardika, I. W. C. (2025). Tinjauan Hukum terhadap Perlindungan Data Pribadi di Era Digital : Kasus Kebocoran Data Pengguna Layanan. 3, 1–11.

Basmah, H., & I Made Dedy Priyanto. (2023). Perlindungan Hukum Terhadap Data Pribadi Dalam Layanan Pinjaman Online. Jurnal Kertha Desa, 11(4), 2116–2129.

Baudot, L., & Robson, K. (2017). Regulation. The Routledge Companion to Critical Accounting, 2014(March 2014), 184–204. https://doi.org/10.4324/9781315775203-11

Cavoukian, A. (2010). Privacy by Design: The seven foundational principles. Information and Privacy Commissioner of Ontario. https://www.ryerson.ca/pbdce/certification/seven-foundational-principles-of-privacy-by-design/

Khotimah, D. N., & Yazid, I. (2023). Perlindungan hukum terhadap data pribadi nasabah pinjaman online pada aplikasi fintech berdasarkan ijtima’ ulama komisi fatwa se-Indonesia. Jurnal EDUCATIO: Jurnal Pendidikan Indonesia, 9(2), 1006. https://doi.org/10.29210/1202323396

Küzecİ, E. (2022). Personal Data Protection Law. Introduction to Turkish Business Law, 016999, 457–483.

Nugraha, S., Andayani, D., & Tumanggor, M. . (2023). Pertanggungjawaban Hukum Pelaku Usaha E-Commerce Atas Terjadinya Pencurian Data Konsumen Melalui Aplikasi Tokopedia Berdasarkan Pasal 19 dan Pasal 62 Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen. UNES Law Review, 6(2), 4896–4909. https://doi.org/10.31933/unesrev.v6i2.1165

Pemerintah Republik Indonesia. (2022). Undang-Undang Republik Indonesia Nomor 27 Tahun 2022 tentang Perlindungan Data Pribadi. Lembaran Negara Republik Indonesia Tahun 2022 Nomor 196. Jakarta.

Personal, A., Retensi, J., Data, P., & Arsip, P. (2022). Harmonisasi Prinsip ’ Right to be Forgotten ’ pada Jadwal Retensi Arsip. 17(2), 159–182.

Pertiwi, E., Delvina Nuraldini, D., Tri Buana, G., & Arthacerses, A. (2022). Analisis Yuridis Terhadap Penyalahgunaan Data Pribadi Pengguna Media Sosial. Jurnal Rechten : Riset Hukum Dan Hak Asasi Manusia, 3(3), 10–16. https://doi.org/10.52005/rechten.v3i3.65

Pratomo, Y. (2024, 18 Oktober). UU Perlindungan Data Pribadi berlaku sepenuhnya di Indonesia. Kompas.com. Available at: https://tekno.kompas.com/read/2024/10/18/13483697/uu-perlindungan-data-pribadi-berlaku-sepenuhnya-di-indonesia, diakses tanggal 11 April 2025.

Puwa, S. I. P., Puluhulawa, F. U., & Rahim, E. I. (2023). GAGASAN IDEAL PENGATURAN PERLINDUNGAN DATA PRIBADI SEBAGAI BENTUK HAK PRIVASI DI INDONESIA. PALAR (Pakuan Law Review), 09, 25–37. https://doi.org/10.33751/palar.v9i2

Republik, I. (2016). Peraturan Menteri Komunikasi dan Informatika Nomor 20 tahun 2016 Tentang Perlindungan Data Pribadi. Republik Indonesia, 1(1), 1188–1197. https://osf.io/nf5me%0Ahttp://dx.doi.org/10.1016/j.tree.2015.01.012%0Ahttps://www.tandfonline.com/doi/full/10.1080/1047840X.2017.1373546%0Ahttp://dx.doi.org/10.1016/j.lindif.2016.07.011%0Ahttp://dx.doi.org/10.1016/j.paid.2017.06.011%0Ahttp://programme.exo

Rindi Dwi. (2022). Jurnal Pena Hukum ( JPH ). Jurnal Pena Hukum, 3(11), 1–18.

Satibi, I. F. (2025, 18 Maret). Kedaulatan Rupiah Digital. DetikNews. Available at: https://news.detik.com/kolom/d-7827730/kedaulatan-rupiah-digital, diakses tanggal 11 April 2025.

Suyatno. (2022). Analisa Perlindungan Data Pribadi Pengguna Fintech Berdasarkan Pendekatan Yuridis Normatif di Indonesia. YUME : Journal of Management, 5(3), 481–491. https://doi.org/10.37531/yume.vxix.325Ardika, I. W. C. (2025). Tinjauan Hukum terhadap Perlindungan Data Pribadi di Era Digital : Kasus Kebocoran Data Pengguna Layanan. 3, 1–11.

Telaumbanua, T. H., Soeikromo, D., & Lumintang, D. S. S. (2024). Perlindungan hukum bagi pengguna media sosial terhadap penyalahgunaan data pribadi terkait hak privasi menurut hukum positif. Jurnal Fakultas Hukum Unsrat Lex Privatum, 13(1), 11.

Wibowo, Y., & Dpw, I. A. (2025). Tinjauan Yuridis Tentang Perlindungan Data Pribadi Masyarakat Pada Era Digitalisasi. 18(01), 1–6.