Digital Credit Regulations in Business Law and Financial Markets
Isi Artikel Utama
Abstrak
This article examines fintech regulations and digital credit practices within the framework of national business and financial market law using a normative legal approach. The study focuses on the validity of electronic contracts, licensing and governance of operators, consumer protection, personal data security, collection mechanisms, and legal certainty for business actors. The analysis shows that the applicable regulations place digital credit as a legitimate and supervised business activity, with obligations of information disclosure, responsible data management, financing exposure restrictions, and periodic reporting. Consumer protection is realized through the right to clear information, fair collection practices, and privacy guarantees. Legal certainty for business actors is obtained through licensing, governance standards, and compliance across legal regimes, including taxation. Law enforcement against illegal operators reinforces market discipline and protects the public interest. The findings emphasize the importance of consistent supervision and the quality of digital contracts to maintain trust and order in the technology-based financing market.
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Referensi
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