Reformasi Hukum Investasi Dalam Menghadapi Transformasi Digital Dan Financial Technology (Fintech)

Aura Salsabilah Putri; Ria Saputri; Vachlina Aulia

doi:10.71417/jchi.v2i1.194

Authors

Aura Salsabilah Putri Universitas Sriwijaya Author
Ria Saputri Universitas Sriwijaya Author
Vachlina Aulia Universitas Sriwijaya Author

DOI:

https://doi.org/10.71417/jchi.v2i1.194

Keywords:

Fintech, Investasi Digital, Reformasi Hukum, Regulasi OJK, Transformasi Digital

Abstract

Digital transformation and the development of financial technology (fintech) have revolutionized the investment sector in Indonesia and brought opportunities for innovation as well as regulatory challenges. However, the conventional investment legal framework is still not fully adaptive to these dynamics, such as peer-to-peer lending, robo-advisors, and blockchain-based investments, which have the potential to pose systemic risks, consumer protection issues, and legal uncertainties. This study aims to analyze the need for investment law reform in facing the digital era, focusing on Law Number 8 of 1995 on the Capital Market, Financial Services Authority (OJK) Regulation No. 77/POJK.01/2016 on Technology-Based Lending Services, and the impact of Government Regulation No. 23 of 2023 on Fintech Governance. The method used is normative juridical with a comparative approach to regulations in Singapore and the European Union through literature study. The research results show that the existing legal framework is still sectoral and not yet integrated, making it less adaptive to the cross-border and technology-based nature of digital investment. Therefore, investment law reform becomes a strategic necessity to create legal certainty, enhance investor protection, and maintain the stability of the national financial system in the digital era.

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